Remain a quality name even if mistakes in your food truck occur. We have insurance coverages for your truck, equipment, food, employees and services offered.
Protect your essential business equipment
All Standard plan benefits and:
For full liability coverage, food truck owners should purchase a variety of insurance products. It’s important for food truck owners to consider the similarities they share with a restaurant. This will help any owners skeptical of their liability to understand what risks are involved with food truck ownership.
This insurance policy covers client or customer-related liability concerns. This includes bodily injuries that occur around your food truck or damage to someone else’s property.
Food truck owners, in particular, may need to worry about a customer suffering from either food poisoning or a food-born allergy. This insurance policy helps mitigate liability for this issue.
A Commercial Auto insurance policy will cover the higher weight limit common among this vehicle class.
A Commercial Auto insurance policy will cover your vehicle, but not the equipment on the inside. Purchasing a Commercial Property insurance policy will help insure the precious equipment necessary for your food truck business.
This policy covers situations where your business is no longer able to draw income due to a disaster of some kind. That could be a flood or a major accident that forces your truck off the road and into the shop for a long period of time.
General Liability is the first insurance policy to acquire for a food truck business and is often required by local laws to receive a permit to operate. It usually costs between $300 - $800 per year.
Food truck property covers the truck itself and all permanently attached equipment. Attached equipment is defined as something bolted to the truck or connected to a plumbing or gas line. Contents property coverage whereas covers all items which aren't attached to the truck. For example, a fridge bolted to the truck is property, but is content when it is only placed inside.
Insurance opens up a lot of possibilities for your food truck business. For instance, most events will require insurance before you can put your food truck in their events. It also protects the investment in your truck and pays for the legal expenses if a mishap occurs.
Yes, you have to pay taxes for all your sales resulting from your food truck business. You will not be paying taxes on the purchase of food, but the final product that leaves your service window.
All food trucks need insurance because all food trucks exist in two separate areas: business vehicles and restaurants. All vehicles, no matter the type, need insurance coverage of some kind. Similarly, all restaurants carry a number of insurance products that help limit liability for several areas, including personal injury, bodily injury, food contamination, business interruption, fire damage and several other key areas. Questions any food truck owner should ask include:
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