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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.
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:
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:
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:
What isn’t covered under my mobile business insurance?
The most common general exclusions include:
There are many mobile businesses that can benefit from mobile business insurance. These include:
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 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.
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:
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.
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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.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
