One of the fastest growing and most popular areas within the food industry currently is mobile food trucks. Food truck operators need insurance in order to protect organizers, venues, and themselves. Business insurance can make all the difference when you're trying to land more venues - most organizers and venue owners will require that you carry at least $1 million in General Liability coverage.
Qualities of our Food Truck Insurance
- Policy with Broad coverage (Business Liability, Auto, Property, Loss of Income, Mechanical Breakdown, Food Spoilage, Inside Theft of Money, and more)
- Need Workers Compensation and/or an Umbrella? – No Problem!
- Competitive pricing from 'A' rated insurance companies. No additional Taxes, No Policy Fees, No Certificate Fees
- Easy payment plans
- Responsive, fair claims services that protect the best interests of policy owners. Access to safety and loss prevention information specifically for mobile food vending operations
- Offered Most States
- Bind and Issue Certificate Same Day!
- For Food Trucks, Food Trailers, Food Carts
Differences Between Insuring Food Trailers and Food Trucks
With a food truck, the kitchen and vehicle is combined to create a single vehicle exposure. However, a food trailer has the mobile kitchen exposure (trailer + kitchen) and a vehicle that is needed to tow the trailer to venues. Usually that tow vehicle is a truck they personally own or a vehicle they plan to purchase. This is where most people think they can just get General Liability and Mobile Property coverage for the trailer and be done. Perhaps they are under the impression that the trailer is covered automatically under their personal auto insurance policy. Think again!
The safe way of protecting your mobile food business is purchasing a commercial auto policy for the tow vehicle and registered it under the business. This will help ensure that you will have coverage after a claim. One last advantage of having a commercial auto policy is that you can purchase an Excess Liability policy to provide additional limits. A commercial Excess Liability policy can provide extra coverage over your Auto Liability (and General Liability).