Photo courtesy of BusinessWeek.com
Last month I highlighted a mobile food truck operations and concerns of operators should have when choosing insurance. I received many comments and discussion about other mobile companies. . Many small business owners make the decision to take the road and the list seems to be growing every day Some of the companies that could be rolling in your area soon with highly specialized vehicles include:
- animal groomers
- spas
- hair Salons
- testing laboratories
- Gyms
- Florists
- Produce vendors
- tan
- Fashion shops
- art shows
- game truck
- law offices
- paper shredding
Take an old business or new idea and put it on wheels helps many entrepreneurs capture the American dream with a lower cost of entry. There are also many service providers such as locksmiths, glass repair shops, and plumbers leading mobile stores with very personalized criticism about their daily business functions.
I spend a lot of time in my car and it is very much my mobile office. However, one thing makes my situation so much easier to manage the group mentioned above. If my car was involved in an accident, I could head down to the local car rental place and be back on the road almost immediately.
However, if you are a business owner with a highly personalized vehicle single operating your business, you could easily hire a proportionate replacement car and be back in business? The short answer is no. This is why the business income - Loss of use of a designated auto coverage can be critical for you. traditional business income coverage is intended to help replace income, operating expenses, payroll, etc. of a covered loss to your business, but does not expect that your company is sitting on wheels rolling on the highway at 65 miles per hour. If you are in a car accident and wireless business is towed, you may find yourself out of business! If you had bought the business income - Loss designated an automatic cover, the same car accident can be a covered event and offer a similar business income coverage to that enjoyed your brick and mortar counterparts
Unless you can find. a replacement for your own vehicle in a few days, do not leave it to chance. Your business is on wheels and it means that your business has the added exposure of being in a car accident. Ask your local independent agent how you can add business income to your auto insurance policy and means that the critical time and financial support to get back on the road, and more importantly, back in business.
Have you operate a mobile business? What kind of coverage did you choose to buy?
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