Fat Freddy
is Blowin Smoke!
What I thought would be a simple procedure has turned into a big headache today and more confusion than answers.
I have a 27ft camper that has been stripped out and made into a vending trailer. I did all the things required and a bit beyond to get approved by health dept, which was done and got my license Friday afternoon. Only things I got docked on was not having a no smoking sign and paint in one small spot I missed.
Hoping to take baby steps to get going and yet be organized I thought my next logical step would be insurance for liability just to protect myself.
The insurance place I have my home and auto through seemed very confused as to what I need. I tried to explain that I need liabilty in case someone gets sick. They said something like " we can cover your camper if in an accident but nothing if someone gets sick and now that it is not a camper I dont think we can cover it"
So I went to a Farm Bureau insurance in town I lived in. Talked to the main insurance guy there and he wasnt sure what I needed especially for liability but said he could cover the trailer.
So I then called a State Farm in a bigger town and explained what I was wanting. She said what I needed was a commercial policy to cover everything and it should be a million dollar policy and would be around $350 a month or so. WTH!!!!!! $350 a month?????
So my question to those that know a whole lot more than me. What kind of insurance should I be asking for? What financial coverage should I need? Any idea what a reasonable monthly cost should be expected?
I have a 27ft camper/vending trailer. I will be using it for an occasional vending at local events but mainly for catering. The farmers market in our town and ball games is what I am looking at vending at. Being considered a mobile food unit I have to move every 3 days but I actually plan on being parked back at home every night.
I have a 27ft camper that has been stripped out and made into a vending trailer. I did all the things required and a bit beyond to get approved by health dept, which was done and got my license Friday afternoon. Only things I got docked on was not having a no smoking sign and paint in one small spot I missed.
Hoping to take baby steps to get going and yet be organized I thought my next logical step would be insurance for liability just to protect myself.
The insurance place I have my home and auto through seemed very confused as to what I need. I tried to explain that I need liabilty in case someone gets sick. They said something like " we can cover your camper if in an accident but nothing if someone gets sick and now that it is not a camper I dont think we can cover it"
So I went to a Farm Bureau insurance in town I lived in. Talked to the main insurance guy there and he wasnt sure what I needed especially for liability but said he could cover the trailer.
So I then called a State Farm in a bigger town and explained what I was wanting. She said what I needed was a commercial policy to cover everything and it should be a million dollar policy and would be around $350 a month or so. WTH!!!!!! $350 a month?????
So my question to those that know a whole lot more than me. What kind of insurance should I be asking for? What financial coverage should I need? Any idea what a reasonable monthly cost should be expected?
I have a 27ft camper/vending trailer. I will be using it for an occasional vending at local events but mainly for catering. The farmers market in our town and ball games is what I am looking at vending at. Being considered a mobile food unit I have to move every 3 days but I actually plan on being parked back at home every night.