Food Truck Insurance Coverage Created Just for You
When it comes to protecting your food truck business, having the right food truck insurance is part of the recipe for success. Discover the coverage you need to keep your mobile culinary venture safe and thriving.
What Is Food Truck Insurance?
Food truck insurance is a specialized type of business insurance designed to cover the unique risks associated with running a food truck. This policy typically combines several coverages to protect food trucks and their owners from accidents, injuries, illnesses, lawsuits, and equipment breakdowns.
What Types of Insurance for Food Trucks Are Recommended?
Commercial food trucks face unique risks that require tailored insurance solutions. Here are some common coverage options for food truck businesses:
Business Owner’s Policy (BOP)
A BOP combines property and general liability insurance into one policy. It helps cover your business from claims resulting from fire, theft, or other covered losses.
Commercial Auto Insurance
This coverage helps protect you and your employees while driving covered vehicles for work. If an employee gets into an accident while on the job, this insurance can help pay for medical costs and property damage.
General Liability Insurance
This insurance protects your business from claims of negligence, bodily injury, advertising injury, or property damage. Without it, you’d have to pay for these lawsuits out of pocket.
Workers’ Compensation Insurance
This coverage provides benefits to your employees if they suffer work-related injuries or illnesses. It helps cover medical expenses, rehabilitation, and lost wages.
Liquor Liability Insurance
If your food truck serves alcohol, this insurance can help cover claims of bodily injury or property damage caused by an intoxicated customer after your company served them alcohol.
How Much Does Food Truck Insurance Cost?
The cost of food truck insurance varies based on several factors, including:
- Number of employees
- Location
- Type of coverage
- Claims history
- Selected coverage limits
To get an accurate estimate, it’s best to request a quote based on your specific business needs.
Who Needs Food Truck Insurance?
Various types of businesses can benefit from food truck insurance, including:
- Mobile food trucks
- Ice cream trucks
- Catering trucks
- Vending trucks
- Lunch trucks
- Concession trucks
Covering Your Food Truck Operations
Food truck owners spend countless hours traveling and cooking for customers. With the right type of commercial insurance, you can have peace of mind knowing that you’re protected if the unexpected happens.
General Liability Insurance
If a customer is injured by your food truck operations, such as slipping on leaking water from your truck, general liability insurance can help cover their medical treatments and your legal costs if they sue your business.
Liquor Liability Insurance
If your food truck serves alcohol and a customer gets injured due to intoxication, liquor liability insurance can help cover the legal fees and medical costs.
Taking Care of Your Food Truck Team
Running a food truck involves more than just cooking; it includes various physical tasks that pose risks to your employees. Protect your team with the right insurance coverage.
Workers’ Compensation
If an employee is injured on the job, such as straining their back while lifting heavy items, workers’ compensation insurance provides medical care and wage replacement.
Employment Practices Liability Insurance
This insurance helps cover claims related to wrongful termination, discrimination, and retaliation, protecting your business from employee lawsuits.
Protecting Your Food Truck Property
While your truck is your most essential asset, protecting other types of property is also crucial.
Commercial Auto Insurance
If your food truck is involved in an accident, commercial auto insurance can help cover the costs of medical expenses and property damage.
Perishable Foods in Transit Coverage
This coverage helps replace spoiled or ruined items if your refrigeration unit fails, ensuring your business can continue to serve fresh food.
Food Truck Insurance That Has Your Back
With over 200 years of experience, we understand the unique risks your food truck business faces. Our comprehensive food truck insurance is designed to protect your investment and keep your business running smoothly.
