Insurance for Food Trucks
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Coverage Plans for All Your Needs
Remain a quality name even if a mistakes in your food truck occur. We have insurance coverages for your truck, equipment, food, employees and service offered.
Essential coverage to meet client demands
General LiabilityInstant quote »
- Coverage against claims from bodily injury, property damage and personal injury
- Coverage for products/completed operations
Protect your essential business equipment
General Liability + Product Liability + Commercial AutoInstant quote »
All Standard plan benefits and:
- Coverage against claims from 3rd party bodily injury and property damage
- Physical damage protection with comprehensive and collision coverage
We've Got You Covered with Coverage You Need
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.
Frequently Asked Questions
How much does it cost to insure a food truck?
When you apply for your mobile truck insurance, a General Liability insurance is often mandatory. A basic General Liability insurance is around $300 to $500 per year.
What is the difference between food truck property coverage and contents property coverage?
Food truck property is the truck that you conduct your business in, and permanently attached equipment. Attached equipment is bolted to the truck or attached to a plumbing or gas line. Contents are things not attached to the truck. For example, a fridge bolted to the truck is property, but is content when it is only placed inside.
Why should I buy insurance for my food truck?
Insurance opens up a lot of possibilities for your food truck business. For instance, most events will require an 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.
Do food trucks pay sales tax?
A sales tax is charged on the sale of the services, and this includes the foods that you are selling on your food truck. You will not be paying taxes on the purchase of food, but the final product that leaves your service window.
Why Food Trucks need insurance?
All food trucks need insurance because all food trucks exist within 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:
- What happens if someone gets sick after eating your food?
- What laws and regulations exist if you decide you decide to serve alcohol?
- What is your liability concern if someone is injured by your truck in some way, even while it is stationary?
- What fines might you face if you set up shop on a street corner, only to find out later that doing so was illegal?
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