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Insurance For Mobile Businesses

Compare insurance quotes with Savvy to help you find the best policy for your mobile business. 

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, updated on August 1st, 2023       

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We’ve partnered with BizCover to bring you a range of business insurance policies to help you compare them side by side.

If you operate a mobile business, such as a food truck or dog grooming company, your insurance needs are different from a business based in one fixed location. Rather than having an office, retail outlet or workshop, you may carry all your business assets around with you in your car, van, trailer or ute. 

You can compare quotes for many types of business insurance here with Savvy. Just answer a few simple questions about your mobile business and the assets you need protection for and you can have multiple quotes from a range of respected insurers to compare instantly. Use our quick and easy comparison service to help you get the best value insurance for your mobile business today. 

What types of insurance should I buy for my mobile business?

There are several types of business insurance you should look at if you run a mobile business, including the following: 

Public liability insurance 

Public liability insurance is essential for anyone who runs a business which brings them into contact with members of the public or other people’s property. It can cover you against claims that your business activity caused injury to a member of the public, or damaged their property, leading to a claim for personal damages or injury. This insurance can offer between $5 million and $20 million worth of coverage. 

What it covers:  

  1. Third-party personal injury claims 
  2. Damage to a third party’s property 
  3. Legal fees to defend yourself 

Product liability insurance 

Product liability insurance will cover you against third-party claims that a product you sold or provided was faulty or caused material loss, sickness, injury or death.  

This type of insurance is important for anyone who supplies consumable products, including food, beverages, hair or skin and beauty products. Cover starts from $250,000 and can be selected as part of your business insurance package. 

What it covers:  

  1. Claims that a product you supplied caused sickness or injury 
  2. Third-party damages claims 
  3. Legal fees to defend yourself 

General business insurance 

General business insurance may also be worthwhile if you have tools, portable equipment, machinery or stock to protect. Business equipment insurance is often available as part of your general business insurance bundle and can provide cover for your tools and portable equipment (as long as they are securely locked at night to protect them from theft). Commercial vehicles aren’t included in general business insurance, so you may need separate business vehicle protection for your car, van or ute. 

What it covers: 

  1. Fire, storms, theft, vandalism and collision which cause damage to your business assets 
  2. Specialist cover for portable equipment  
  3. Limited business interruption insurance 

What isn’t covered under my mobile business insurance?  

The most common general exclusions include: 

  1. Injury to yourself or your employees 
  2. Flood damage 
  3. Glass breakage 
  4. Unlawful activity or criminal negligence 
  5. Reckless behaviour or intentional damage 
  6. Anything to do with asbestos 
  7. The effects of pollution caused by your business activity

Which mobile businesses can I get insurance for?

There are many mobile businesses that can benefit from mobile business insurance. These include: 

  • Mobile food vans 
  • Catering vans (such as coffee vans) 
  • Mobile hairdressers 
  • Mobile beauty technicians 
  • Mobile dog washers and dog grooming 
  • Mobile mechanics 
  • Grass-cutting and landscaping businesses 
  • Mobile computer repair technicians

How much will my mobile business insurance policy cost? 

There is no set cost for an insurance policy, as each applicant is different and faces unique risks. Many factors influence the cost of business insurance, including the following: 

  • The state you live in  
  • Whether you work in a rural or urban area 
  • Whether you’re a sole trader, are in a partnership, or run a business 
  • Your business size and turnover  
  • If you have any employees 
  • Your insurance history 
  • Whether you’ve made an insurance claim in the past five years 

The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.  

However, because location also plays a part in the cost of insurance, how much you’ll pay will also depend on where you operate your mobile business. For example, the cost of public liability insurance for a business in Tasmania may be different than for a mobile lawn mowing business in NSW. If you’re looking for a better idea of how much your policy may cost, you can compare a range of quotes through Savvy.

Why do I need mobile business insurance?

Running a mobile business can present many of the same risks as if you were based in one location. There are many risks to consider and things that could potentially go wrong in any business. For example: 

  • if you run a mobile food truck or catering business, there may be a risk of food poisoning causing sickness or even death 
  • if you run a hair or beauty business, there may be a risk of allergic reactions to your treatment or beauty products you supply 
  • if you run a mobile repair or mechanic business, there may be a risk the new parts you installed prove to be faulty or cause additional damage 

These and more unfortunate events could prove to be costly if you don’t have adequate business insurance. In many of these instances, you can be held personally liable for the damage, injury, loss or expense caused by the accident, just as hairdressers who own a salon are also held responsible for the work they do. 

Personal injury or damage claims can run into millions of dollars, which is why it’s so important to have adequate insurance to give you cover in the event an unfortunate accident or event does take place. Public liability insurance is there to protect you and your business so you can continue running your mobile business for years to come. 

Types of business insurance

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Frequently asked questions about mobile business insurance

How much excess will I have to pay if my tools are stolen?

This will depend on the excess you’ve chosen as part of your insurance policy. Naturally, the lower the excess, the higher the premiums you may have to pay for your insurance as a whole, so choosing a higher excess can be an effective way of lowering the cost of your insurance.

Will my mobile business insurance cover me if I travel to another state for an event?

Mobile business insurance can provide you with insurance coverage wherever you operate your business in Australia. However, you should read your insurance policy’s PDS carefully to make sure there are no limitations to the states in which your cover is valid. 

What information will I need to make a claim?

The information you should have to hand when you contact your insurance company to make a claim will include: 

  • The name of the policyholder 
  • Your policy number and start date (which can be found on your Certificate of Currency) 
  • A detailed description of the incident (what happened to cause the damage or loss) 
  • Specific dates and times when the incident happened 
  • Contact details of any other parties involved (or witnesses to the event) 
  • Details of your police report number (if a crime took place) 
  • Details of the property lost or damaged (including its age and value) 
  • Your bank details for settling the claim 
What’s the difference between public liability and professional indemnity insurance?

Public liability insurance can cover you for claims made by third parties relating to personal injury, illness or property damage. Professional indemnity covers you against claims the advice or service you provided was negligent or below expected standards, causing material loss or damage. 

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Disclaimer:

Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.

Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.

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