Food Truck Insurance Basics

Food Truck Insurance Basics

By Iris Turner, Commercial Lines Agent

Have you ever had a brilliant business idea but felt clueless about where to start with insurance? Don’t worry, you’re not alone. Many entrepreneurs struggle to navigate the complex world of insurance, but it’s a crucial part of protecting your investment and mitigating risks. One way to protect your investment and mitigate risks is by having the right insurance coverage in place.

The good news is that when it comes to food trucks, insurance is pretty easy. There are a lot of companies out there that offer insurance for food trucks.

One thing that’s important to know is that your food truck would not be covered under your personal insurance. It would be covered under business auto insurance, since it’s likely that you will be in transit much of the time. Commercial auto insurance provides coverage for property damage, bodily injury, and liability caused by accidents involving your food truck. It can also cover theft, vandalism, and other types of damage to your vehicle.

You should also consider equipment insurance to cover all of the appliances and other things you use to prepare the food in your truck. This kind of property insurance provides coverage for damage or loss to your food truck and its contents, like equipment, inventory, and supplies. This coverage can include damage caused by fire, theft, vandalism, or other types of loss.

Then there’s general liability insurance, since you will be dealing with customers just like a restaurant that isn’t on wheels. The liability insurance would cover things like food poisoning or if someone were to slip and fall while waiting at your food truck. General liability insurance can provide coverage for their medical expenses and any legal fees associated with a lawsuit.

You could also consider spoilage insurance in case something were to happen with your battery or other power source and your food spoils. 

Finally, if you have employees working on your food truck, you may be required to carry workers’ compensation insurance. Workers’ compensation insurance provides coverage for medical expenses and lost wages if an employee is injured on the job.

Thankfully, you don’t have to navigate the world of food truck insurance alone. Our team of experts understands the ins and outs of insurance and can guide you every step of the way. We’re here to help you get the coverage you need so you can focus on what you do best: cooking delicious food.

So, what are you waiting for? Let’s hit the road and turn your food truck business into a success story. Contact us today – we’d be happy to help!

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