What are the risks specific to motor scooters as physical assets?

Vicky Volare fell in love with motor scooters on her vacation trip to Aruba. “They’re a blast!” Vicky said, “They are convenient, safe, inexpensive, and fun to ride.” Now she is planning to buy 30 Vespa Scooters to provide scooter rental in Vail, Colorado. Vicky will need four employees, in addition to her own services. She has completed a business plan, except for determining what types and amounts of insurance coverage she should have. As soon as she completes the insurance planning, she can complete the financial section of her business plan. Vicky will invest $50,000 of her own funds and is borrowing $230,000. $180,000 of the loan will be secured with the 30 scooters. The other $50,000 is a personal note to her from her bank. She hopes to start her business within 90 days, to catch the beginning of the summer.