Loretta owns her own business, but unlike a typical brick and mortar store, she operates on wheels, delivering goods and services to the consumer directly. One afternoon Loretta is on the way to her next customer when suddenly she is rear ended by the driver behind her. Thankfully the damage is not overwhelmingly terrible and her truck should be repaired within a few days. In the meantime how is Loretta supposed to run her business? Because her mobile business is tailored to her specific needs, she is unable to rent or find any type of truck that will work as a substitute.

The trend towards new ways of conducting business like a mobile business continues to grow exponentially.  Mobile businesses have endless customizable possibilities. Examples of popular mobile businesses include: food trucks, pet groomers, document shredding, etc.

Owning a mobile business can be exciting because you will never have the same kind of day twice. Even though, as thrilling and unpredictable as everyday can become, a successful business owner must plan for the unknown. Mobile businesses tend to travel almost 100% of the time, which greatly increases the chances of an auto accident.

Customarily business owners have the traditional business insurance coverage, which is intended to help replace income, operating expense, payroll, etc. Since owning a mobile business is not a traditional business, you will need to consider looking into alternative types of coverage to help cover your wheels.  The Business Income – Loss of Use of Designated Auto coverage may play a major role in helping your business survive the unknown.

By choosing the Business Income – Loss of Use of Designated Auto coverage, if your business is involved in an auto accident, you could be covered for the majority of the damage. Knowing how expensive it is to customize your mobile business office, it is best to not leave anything to chance. As always be sure to contact your insurance agent with any questions.