Catering Truck Insurance

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Catering trucks come in all shapes and sizes but whether your catering truck is large or small, or even if you have a whole fleet of food trucks, there are some key coverages you’ll need to keep your food truck business properly insured. Mobile food vendors may need a variety of coverages ranging from a business owners policy, including general liability insurance, to commercial auto insurance and workers’ compensation coverage for food truck owners with full-time or part-time employees.

What does Catering Truck Insurance cover?

Your catering truck insurance can cover many aspects of your mobile catering business but because your business utilizes commercial vehicles, proper coverage for your trucks is crucial. Coverage for your vehicles generally can provide protection in four key areas:

Commercial Auto Liability Insurance: All states require commercial auto liability coverage which protects your business against liability due to auto accidents. Your coverage includes bodily injury liability, which covers injuries to others if your business is at fault in an accident, and property damage liability, which covers damage to the property of others, including damage to others’ vehicles, structures, or other types of property.

Medical Payments: Available policy provisions vary by state, but your policy can provide coverage for injuries to you or to your employees due to an auto accident in a covered commercial vehicle.

Physical Damage: Your food truck can be damaged in a number of ways. Physical damage coverage can provide protection for the most common causes of damage. Your coverage can pay to repair or replace your truck after an auto accident but your coverage can also extend to other causes of damage, such as fire, theft, vandalism, and more.

Uninsured/Underinsured Motorist: If your catering truck is damaged in an accident or you or one of your employees is injured in an auto accident in which the other driver is at fault, your commercial auto insurance can provide coverage if the other driver is uninsured or if their policy does not provide sufficient coverage to pay for the damages to your vehicle and/or your medical expenses due to the accident.

Other Types of Coverage for Catering Truck Businesses

Your catering vehicles are one part of the coverage equation. You’ll also want to consider a few other key coverages that can protect the business you’ve worked to build as well as help protect your personal assets from business-related liability claims.

General Liability Insurance: Liability coverage can be crucial for catering truck businesses. In addition to the types of liability exposure faced by most businesses, like slip and fall injuries, your catering truck business also has exposure to risks such as food poisoning or similar food-related illnesses and the danger of hot spills. Your general liability insurance coverage can protect your business against all these risks and more, as well as providing additional protections including liability due to libel, slander, false advertising, or advertising injury claims.

Property Insurance: Your catering truck insurance can provide coverage for your business-related property, including your equipment, inventory, and supplies.

Workers’ Compensation: If you have employees, in nearly all states you're required to carry workers’ compensation coverage, which provides essential protection for work-related injuries and which also safeguards your business against many work injury-related lawsuits.

Employment Practices: Employment practices insurance can protect your business against employee-related lawsuits, giving you the peace of mind to focus on growing your catering truck business.

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How much does Catering Truck Insurance cost?

The cost of insuring your catering truck business varies depending on a number of factors, including which types of coverage you've selected for your catering business as well as the coverage limits you've selected. Insurers also weigh risks such as your driving record and your claims history when determining rates. Because rates can vary depending on which coverages you choose, the simplest strategy is to get a no-obligation insurance quote through CoverWallet. CoverWallet’s team of trusted agents can help you choose the right coverages for your catering truck business and provide quotes from leading insurance providers.

How to save on Catering Truck Insurance

One of the easiest strategies to save on catering truck insurance is to bundle your insurance policies into a customized Commercial Package Policy. A commercial package policy brings all your key coverages together into one easy-to-manage package and often saves money on insurance premiums by bundling your coverages through one insurer. With a commercial package policy, you can easily select all the coverages you'll need without the expensive add-ons or unnecessary extras. Getting started is easy. Just reach out for a no-obligation quote.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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