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Insurance for Food Trucks

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What Insurance Do Food Trucks Need?

General Liability

General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.

Business Interruption Insurance

Business Interruption Insurance protects your small business if impacted by a covered risk. It'll cover the costs in replacing lost income and paying for additional expenditures. Also known as Business Interruption Coverage, this policy is usually part of your BOP (Business Owners Policy).

Commercial Property

Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.

Product Liability

Product Liability insurance covers your business if you need to recall one of your products. It covers your costs for retrieving the defective product from the manufacturer or seller to prevent any further bodily injury or property damage.

Workers Compensation

Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!

Commercial Auto

Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.

Frequently Asked Questions

How much does it cost to insure a Food Truck?

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.

What is the difference between Food Truck property coverage and contents property coverage?

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.

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 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?

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.

Why do Food Trucks need insurance?

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:

  • What happens if someone gets sick after eating my food?
  • What laws and regulations exist if I decide to serve alcohol?
  • What is my liability concern if someone is injured by my truck in some way, even while it is stationary?
  • What fines might I face if I set up shop on a street corner, only to find out later that doing so was illegal?

Are You Ready to Get Covered?

Prefer to speak with a CoverWallet consultant? Call

(646) 844-9933