Burger Truck Insurance

Running a burger truck is all about delivering delicious meals on wheels, however it comes with a unique set of risks and responsibilities. Burger Truck Insurance is designed to protect your business from the unexpected, so you can focus on serving great food with confidence.

  What Is Burger Truck Insurance?

Burger Truck Insurance is a tailored insurance package that ensures your business, employees, and customers are protected every step of the way.

 Types Of Burger Truck Insurance

Each burger truck has unique insurance needs, which is why Burger Truck Insurance includes a variety of coverages to protect the critical aspects of your business. Here’s a breakdown of the essential policies:

Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) is a convenient, bundled policy that combines General Liability and Commercial Property Insurance, which is ideal for small businesses like burger trucks. BOP coverage protects your truck’s equipment and assets from property damage while also covering general liability risks.

General Liability Insurance

General Liability Insurance covers third-party claims related to bodily injury, property damage, and personal injury. For instance, if a customer slips near your truck or property is accidentally damaged, General Liability Insurance helps cover legal fees and medical expenses.

Product Liability Insurance

Serving food means there’s always a risk of accidents, foodborne illnesses, or allergic reactions. Product Liability Insurance protects your business from claims related to food contamination or accidental harm caused by your products. This coverage safeguards you from legal costs and medical expenses if a customer becomes ill or has an adverse reaction to your food.

Commercial Auto Insurance

This policy provides liability and coverage for damages related to accidents on the road. Whether it’s a minor fender bender or a larger incident, Commercial Auto Insurance ensures that your truck is protected, allowing you to stay mobile and serve your customers safely.

Workers’ Compensation Insurance

If you have employees assisting with cooking, serving, or operating the truck, Workers’ Compensation Insurance is essential. This policy covers medical expenses and lost wages if an employee is injured or falls ill due to their work. Workers’ Compensation helps protect your staff and your business from unexpected costs associated with work-related accidents.

  Burger Truck Insurance Costs

Insurance costs generally range from $100 to $300 per month, depending on the type and amount of coverage required. This translates to approximately $1,200 to $4,000 per year.

Factors Influencing Insurance Costs

• Coverage Types: General liability, commercial auto, and property insurance each come with different costs.
• Truck Value: Higher value vehicles can increase insurance premiums.
• Location: Areas with high foot traffic or crime rates can affect the premium.
• Employee Count: If you’ve asked your insurance to pay for something before, you might have to pay more now.
• Driving Record: A clean driving history can help lower costs, while accidents may increase them.

Get Burger Truck Insurance Quotes

If you want to get an exact cost for Burger Truck Insurance, we encourage you to get quotes now from our experienced agents.

Our experienced agents are well versed in working with food truck business owners. After understanding more about your business, our agents can usually reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive.

We provide the finest comprehensive plans for your business by providing:

• Knowledgeable, licensed insurance agents
• Same-day coverage in most instances
• Coverage from A-rated insurance companies
• Ability to offer policies nationwide
• The lowest price for the best Insurance coverage in the industry