Top Insurance Mistakes for Food Truck in Tacoma

After many years in the insurance industry, I have come to my realization that most people think that insurance is quite dull to learn and will pay their premiums as they come. This might turn to be one costly decision.

Covering your truck can turn to be a messy business. Weird gimmicks, legalese and confusing laws and rules are all over the place. It can be difficult to get the type of coverage you need.

With food truck insurance in Tacoma in the spotlight, I thought it’s important to highlight some of the common food truck insurance mistakes and how to avoid them:-

Extra Pay for Additional Insurance Certificates

Many people - Landlords, commissary kitchens, event managers and city health departments - will often ask for your insurance certificates. These are additional costs that make you pay for sheets of papers. There are no reasons for one to get a surprise on other charges for simple stuff like certification.

Purchasing the Lowest Policy

As the common term goes, cheap is expensive. Choosing low-cost insurance can ironically make you spend vast amounts of cash. Many inexpensive policies will only cover small lists of claims. You could find yourself in a surprise if something happened and the insurance covers the incident partially or not at all. Like most things in life, you get what you pay for! The insurance world is no different. Companies are continually pressured to lower prices, they‘re also forced to reducing the cover plan benefits. Don’t just jump to the lowest price, drop to a plan that fits you best.

Wrong and Incorrect Classification of Your Truck and Property

The insurance agency considers the food truck and your property as two distinct things with different coverage. This means the property coverage will not include the car unless stated in the policy. Many consumers say that property coverage is enough, but you can get a surprise when trying to submit a claim for the truck. When you install a new equipment, make sure to update the policy to cover all new items.

Purchasing Only Insurances Valid at Certain Address

Depending on the agency, mobile businesses can have limited insurance coverage to a single address. However, this is a real occurrence which is not offered by many policyholders. For your own sake, make sure the truck is covered everywhere even when in the parking lots. Since you’re not working from a single location, make sure the policy secures your plan of moving around.

Covering the Trailer on Your Personal Auto Coverage

If you were to conduct a survey, you would become surprised at how many people believe that their auto policy covers their food truck and trailers. Note: The personal auto insurance never covers your food truck. Confirm with your agency if the auto policy will cover your trailer. If you get an accident when pulling a trailer, the auto liability insurance will cover the damaged vehicle, but the physical damage on the truck wouldn’t be included.

Choose the best insurer that will help in propelling your business to greater heights.

Get Yourself Updated on Boat Insurance in Seattle

Having a ride is outdated, you need to square your account and know the needs of having a boat. Nothing is exhilarating as boating. The experience is fantastic with the wind in your hair, thrum that wakes against the hull, a buzz on outbound fishing and snaps of a mainsail.

In the world of boating, there’re two best days a person usually experience. The day you purchase the boat and the day you will wave goodbye to it.
It’s no doubt, owning a boat brings along great memories, fun trips into the water shores, whether in a pond, lake, sea or ocean. However, with the fun, comes loads of work in owning a boat. One of the best things to do is to have boat insurance in Seattle.

If you think of owning boat insurance, there are things you need to know to make sure the coverage is right. A car is fun, but it requires protection! A speed bike is fun, but also needs insurance! With fun, comes danger, and that’s where the insurance pop’s in.

 Here are things you need to know when insuring a boat.

 Homeowner Policy Doesn’t Cover Your Boat

Boats like canoes and those with no motors are kind of vessels that are protected by the property insurance. For ships with additional motors and engine, you need to get different coverage. Boat insurance will most likely end up like resembling your auto insurance policy.

Protection from Different Disasters

 On a boat exploration, there are loads of catastrophes which might occur. A fun day could turn to be more than disastrous. The boat insurance can offer cover for:-

•  Sinking
• Storms
•  Stranding
• Capsizing
• Fire
• Collision

Boat Policies Protection on Everyone and Everything

 The boat insurance in Seattle will protect you, other boaters, your equipment and the boat itself. Other additional protection policies may include theft, property damage, bodily injury, medical payment coverage, and liability coverage.

Two Types of Liability Coverage

 There is two main liability coverage offered by boat insurance.

•  Personal liability - Cover what you are obligated to pay to any injured party in case of a mishap. The cover includes property damage, injury expenses, and legal defense.

• Medical liability - This covers accidents incurred due to a crash involved while boating. This includes ambulance charge, hospital bills, and medical bills.

Ways of Saving Your Boat Insurance

 The boat insurance rates can be reduced with a specific plan. The insurer will reward when you take safety precautions. Here are ways to save:-

• Make sure to have approved fire extinguishers.
• Use diesel to lower the risk.
•  Make sure to take your state’s run.

When taking your car for a spin, you make sure it’s protected. Doing the same in your boat is essential. Getting boat insurance gives you the first safety in enjoying your summer. Get quotes and know more the insurance cover.


CAUTION: A boat is a ride as much as a car. Taking care of it is thus very essential.

Benefits of Boat Insurance Coverage in Federal Way

Is it your first year as a boater or are you considering buying a boat? If yes, then it’s important to familiarize yourself with some of the benefits that come with a boat insurance coverage in Federal Way.

For many people, they tend to ignore the boat insurance as fewer accidents occur than in the auto motor world. It’s crucial to protect your boat as much as you would protect your car in the event of a crash or a loss.

The more the toys, the better the win. To the realist people, boating fits. It’s fun, adventurous and it represents an exciting lifestyle. Buying a boat is one enormous investment that extends over the purchase price of the craft. Why buy a boat when you can’t overlook this puzzle?

If you are on the plans of purchasing a boat, there are benefits that you need to understand of securing boat insurance in Federal Way.

Medical Costs Are Covered

Accidents occur at the least expected time. If you or your passenger gets injured during your water excursion, boat insurance will cover for the emergency room, costs of a medical practitioner and the hospital visits. With this kind of protection, there is peace of mind while operating the craft.

Liability Covers

Boat insurance will indemnify you against all liabilities in case of a fault in an accident which injures a person or property. You can as well choose maximum limits, but you need to understand that the higher the cover, the higher the premium it’s likely to be.

Property and Boat Damage

We get car insurances to cover our cars, house insurance to cover our houses and boat insurances to cover the boat and property in the boat. The boat insurance in Federal Way will cover the property if damaged or lost in case of collision with another craft. The personal property might include fishing gear, emergency tools, and other belongings.

Affordable Coverage

As with other insurance providers, there are various discounts to boaters. Some of the common ones include:-

• Diesel engine credit - Diesel is less hazardous than gasoline. Therefore, you could receive a refund for owning a diesel watercraft.
• Horsepower to watercraft length ratio debit or credit.
• Fire extinguishers credit.
• Navigation system credit.
• Claims-free credit.
• Radar system credit

Towing Coverage

With boat insurance, comes full peace of mind. In occurrences where you’re stranded on the water, the cost of transporting your boat and towing you to shore is all covered. You’ll never have to pay for these expenses out of your pocket.

Flexible Coverage

With the many liability limits, there are additional coverage and deductibles to choose from. Boat insurance rates and coverage are quite flexible. Typical boat insurance includes property deductibles, theft, and medical payments. These rates will vary depending on the insurer and the boat owner.

Finally, any claims made to your boats policy will have no adverse effects on your home insurance rates. This is such good news for all boaters. Make sure the plan of choice is right for you and your boat.

All That You Need To Know About Multi-Family Dwelling Insurance in Washington

Multi-family dwellings are not the same as traditional properties because they come as a single entity rather than different detached units. The multifamily buildings are rental properties often individualized on insurance and risk requirement.

For insurance purposes, the dwellings are capable of housing more than a couple of family members with multiple kitchens, bathrooms, man cave and bedroom with different walls in between.

The multi-family dwellings insurance in Washington can be a four-plex, condominium, duplex or a townhouse. Insuring a multi-family housing can be trickier than protecting other properties. It’s thus a good idea to hire an independent and reputable insurance agency in your area.

Every property owner nightmare is finding a solution after a fire, hurricane or lawsuit has affected a property which is never insured. That’s a disaster! You need to be careful about the property and make sure it’s sure to have assets in the correct insurance policies.

Let’s Figure Out On - Owner Occupied or Non-Owner Occupied Family Dwellings

Depending on whether you live in or not, insurance rules ran differently. If you reside on the property, you will have to acquire insurance for your property. On the other hand, if you don’t live on the property, you’ll have to purchase a dwelling policy, fire policy, and business acquisition policy.

A dwelling policy covers the structure, and there is an amount agreed for coverage of all additional stuff on the property, and a fair rental price that will help in replacing the lost earnings in case repairs are made.

The dwelling policies can also cover personal liabilities which is never a case in all firmer. It is therefore essential to know of the factors that generally impact multifamily insurance in Washington.

A List of Mitigating Factors that Impacts an Individual in Multi-Family Property Insurance Expenses and Costs

Is the insurance cost been mitigated? Here are some factors which can affect your insurance quotes positively or negatively:

• Age of property - Does it matter the age of the property? The newer the property, the better its state of repair and the more likely the property will meet the requirement. For older properties, the repairs can turn to be less expensive in a covered event.

• Firewalls - In multi-family housing, firewalls are way more important as people think with those of computer firewalls. The walls provide a protection layer from fire between two units. Many insurance companies want to see this when offering their quote.

• Type and age of property wiring - Outdated, old and unworthy installation is not only bad for electronics, but it also raises a risk on causing fires, sources of shock and major fallouts.

• The architecture and construction type of the home - Stone, brick and wooden houses are more firm and less likely in sustaining damage from hail and wind. However, people say wooden structures are a pre-dated modern construction code.

• People occupying the space - Insurance companies believe that people who rent the property play a significant role when offering the quote. Owner living onsite will obviously take better care of the property rather than an average tenant would.

• Neighborhood - Are you from the hood? Blocks? Insurance companies want to offer quotes to people who live in areas with the low crime rate. They also prefer areas with a higher occupation.

In most cases, we need to go with the lowest bid insurer. If the Multifamily dwelling insurance provider in Washington isn’t competent, you’ll need to choose a different bidder

A Break Down on Food Truck Insurance in Washington

When you decide to get your Mobile food business on, there is one crucial decision you need to make. The insurance cover to protect your business is essential.

From other peoples experience, working with more than 1,000 food trucks insurance Washington can make you lose thousands if not millions of dollars. Don’t risk your investment by ignoring small bits like covers.

Take your time and find an agent that will help you in obtaining proper coverage, help you in understanding the cover limits, and helps you in purchasing the cover.

Food trucks make your business mobile; therefore, finding the appropriate policy can be a big challenge. Here is a risk break down:-

General Liability

With General liability, you’re protected from lawsuits that are brought against you from property damage and injury to any third party. This, however, doesn’t cover for the employee or auto related injuries. The cover includes protecting your premises, products, injury and property damage. The best part is that the insurance covers all the legal fees that defend you against this claims mentioned above.

Property Damage Insurance

With this, the business is protected from theft, collision, vandalism, and fire. The assets coverage is separated into two categories in the insurance world: The truck and the equipment in one space and everything else not attached to the car.

Employee Compensation

In the case of an injury, workers compensation pays medical benefits and wage replacement. It-is essential to carry workers comp if you have a food truck business. (Learn the laws of your state to understand what governs what)

Trailer or Track Coverage

Property coverage for a trailer, truck or van can come from collision inland and comprehensive policies. The policies protect the attached equipment and the food truck. The cover could include damage losses from vandalism, collision, theft, fire or other losses.

Auto Liability

The greatest risk never comes from the food you serve, but from the truck, you’re driving. In case of an accident, you want-to make sure you’re covered for property damage and injury. Remember that this cover applies once your car starts moving. Once parked, the general cover takes over.

Content Coverage

This cover works for all items that are not attached to the food trailer or truck. If your vehicle flipped over, what items could be affected? They are all covered under this insurance. Since auto policies are in no way covering the attached types of equipment, there is need for a separate need to insure these items.