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.