Insurance for Vending Machine Operators

Vending machines risk damage from time to time because they are often left unattended. During transport, vending machines could get damaged or destroyed in an accident or during loading or unloading. You are also responsible for the products sold in the vending machine including the cause of a customer's illness. Your employees could charge you for employer negligence when they got sick or injured on the job.

Yes. Your vending machine could be tampered without your knowledge that puts your customers' credit card at risk. If that happens the cost of informing your customers, credit monitoring and court expenses could put a huge dent in your business expenses. Cyber Liability will pay for these costs as long as you are within the limits of the vending machine insurance.

A common misconception is that there is no risk if you don't own the property where your vending machine resides. However, you are faced with a unique set of risks that could instantly destroy your business reputation and well-being. You risk financial ruin from fire, flood, auto accidents and many other perils. And because vending machines aren't monitored all the time, they could be stolen or vandalized and cost you a lot in repairs or replacement.

Since your employees conduct business operations, you need to insure them with Commercial Auto insurance. Commercial Auto insurance is similar to personal auto insurance but with higher limits and better coverage. Moreover, if they are involved in an accident at the time they are tasked to restock the vending machine, a personal auto insurance won't be able to cover it since it is regarded as a business operation.