What Types of Insurance Coverage for the Ice Cream Truck Business?

Ah, the wonderful sounds of summer: the joyful chirping of birds, the slap of the seashore, the laughter of children frolicking outdoors – and the chiming tunes notifying neighborhood kids of all ages that the ice cream truck has arrived.

Ironically, that happy sound of music announcing the ice cream truck brings untold sadness to some. For the mothers, fathers and siblings of those kids killed in a related accident, the sound will never be reconciled with.

Although accidents can occur and associated insurance coverage can come with financial shielding, the dangers associated with this type of mobile frozen confection store and excited children looking forward to a favorite treat need careful consideration. There are things that parents, caregivers and ice cream truck operators can do to mitigate the risks of fatalities and serious injury. These include installing more mirrors on the vehicle and a safety bar to block children from getting in the blind spot’s way, as well as other safety mechanisms.

As far as the insurance companies are concerned, any equipment installed to prevent accidents may result in some form of discount on a commercial auto premium. It can also make rates lower on an already-discounted insurance package that combines commercial auto insurance with a business owners policy.

For reading convenience, we’ve listed the various forms of coverage related to this business below.

Special Commercial Auto Insurance for the Ice Cream Truck Business

• Commercial Auto Liability Coverage

Every US state requires commercial auto liability coverage to protect businesses from bodily injury liability when an accident occurs. This coverage also protects from property damage liability when the other car is damaged or when buildings or other property is damaged.

• Collision Coverage

If the driver of an ice cream truck caused an accident resulting in damage to his or her own truck, this insurance will help with the costs of repair or the costs to replace the truck if repair work is not an option.

• Medical Payments Coverage

This insurance will help pay for medical costs if the truck driver or passenger is hurt in accident.

• Uninsured/Underinsured Motorist Coverage

Uninsured or Underinsured Motorist coverage can help pay for damages incurred to the truck by another driver if he or she is either uninsured or underinsured and cannot fit the repair or replacement bill entirely.

For further information on insurance – commercial auto or business – speak to a professional independent agency that has its customers’ interests at the forefront.

Technology to Aid in the Better Management of Your Auto Repair Business

Over the years, the auto repair industry has gone through a series of changes. The industry is flourishing at a fast pace as the number of vehicles on the roads is increasing day by day. The industry has largely benefited from this. Auto repair has become a very wise investment option as it gives a good platform for the aspiring entrepreneurs. However, the latest technologies prevalent in the market must be made use of for running the business successfully. Auto repair software is one such technological tool which can be used by the companies to manage their business in a better and efficient manner.

The auto repair service management software is capable of carrying out all the essential auto shop functions. This includes Accounting Integration, Quality Management, CRM Integration, Custom User Interface, Custom Pricing Options, Category Specific Customization, Custom Search Field, Collaborative Inventory Management, Barcode Scanning, Customizable Functionality, Supplier Management, Purchase Orders, Replenishment Orders Reporting, Inventory Locator, Mobile Access, Stock Inquiries Transfer Management, Customizable Fields, Vendor Managed Inventory, Warehouse Management, invoice of operations, repair orders, tracking sales and vehicle services. This software is operational on platforms like open source, Linux/Unix, windows and Mac.

This system also provides a number of computerized jobs including preparing service schedules for standard repairs, insurance claims management, cost tracking, customized functionality and reporting, maintenance scheduling, receivable tracking, accounting integration, customer user interface, parts sales and parts pricing, contact management. The working of the software is done by the optimization of the applications. The software makes your work more convenient by helping in various other tasks like scheduling of customer appointments, tracking of repair work completed and making service history estimates and quotes. Moreover the usage of the software reduces inventory requirements and costs and computerize your warehouse and remove inventory problems. Furthermore, more orders can be delivered with a considerably less amount of laborers. The reporting options in the software also enhances the operations and disseminate the important data through multiple shop locations. The customer database and customer invoice history will be easier to access as the search options are very specific and encompass a lot of categories.

Though many softwares are available online, they are not spam free. So your systems must be well protected before installing them. Purchasing them will be the best option as they are available at reasonable rates. The usage of the auto repair management software will definitely synchronize your business and increase the business prospects.