Making sure that your food truck is protected with the right insurance is as important as having a crowd-pleasing menu. Whether it’s vehicle damage from a storm or a food poisoning incident, there are many common risks that can occur with food truck businesses.

To help you find the right coverage, our experienced insurance agents will be able to identify your unique business risks, determine the right coverage, and present you with the most price-competitive quotes.

What Is Food Truck Insurance

Food truck insurance policy offers tailored coverage for your business for unexpected events. Those costly events could include claims, damages to your business property and lawsuits.

Below we’ll discuss some of the most common types of insurance that help protect food truck businesses.

General Liability Insurance

At the heart of a small business insurance policy is general liability insurance. This coverage handles bodily injuries and property damage that you might accidentally cause to others (this doesn’t include your employees).

food truck insurance coverage

For example, if you spill hot coffee on a customer by mistake and they get scalded, your general liability insurance would cover their medical expenses.

Liquor Liability Insurance

If you serve alcohol in your food truck, then Liquor Liability Insurance is a must. This coverage helps protect against damages or injuries caused by intoxicated patrons. For instance, if a customer who had a few too many drinks at your establishment ends up causing an accident, liquor liability insurance could help cover the resulting legal fees and damages.

food truck insurance coverage

Commercial Auto Insurance

You already know that your vehicle is at the forefront of your business. Therefore Commercial Auto Insurance is another type of insurance that needs to be part of your protection plan.

Commercial auto insurance generally includes coverage for:

  • Bodily injuries
  • Medical payments
  • Property damage liability
  • Uninsured motorist coverage
  • Theft and damages
  • Damages to permanently installed equipment

Business Owner’s Policy (BOP)

This is a great policy for businesses with specific needs and versatile coverage. A Business Owner’s Policy (BOP) can save you money overall by combining normally separate policies such as general liability, commercial property, and business interruption insurance.

food truck insurance coverage

BOPs can be tailored to cater to the unique needs of your food truck business. For example, a BOP can cover the food truck itself, including the physical location and equipment, against damage from any unexpected incidents.

Food Truck Insurance Costs

Like most Food Truck business owners, you probably want to know how much coverage is going to cost.

To help you get a better idea of costs, here are some of the most important things that will influence the cost of your policy:

  • The type of policies you need for your business
  • Your desired policy limits
  • The location of the business
  • The value of the food truck

If you want to get an exact price, fill out our form and we’ll get you three quotes within minutes.

Common Food Truck Insurance Claims

There are a number of common risks associated with owning a Food Truck business. From accidents and injuries to property damage and employee-related issues, any of these could lead to an insurance claim.

Employee injuries while on the job represent a significant proportion of insurance claims within the food truck industry. Other common claims faced by food truck operators include:

  • Issues related to food spoilage or illness caused by the food served by food trucks
  • Generators sucking up foreign objects
  • Refrigeration failures, leading to equipment malfunction and subsequent income loss

Choosing The Right Policy

Selecting the best insurance policy for your food truck business requires assessing your overall risk, choosing the right coverage, and comparing different quotes.

If you don’t know too much about insurance, we always recommend working with an experienced agent who will be able to navigate you through the process.

Here are some of the benefits and value of working with an insurance agent who understands the food truck industry.

Assessing Your Risks

A good insurance agent will be able to assess your unique business risks and also know your legal compliance requirements.

Choosing the Right Coverage

After understanding potential business risks, the next step is making sure that you’re protected. Selecting essential coverages such as general liability insurance, product liability, and commercial auto insurance. If your food truck is a trailer pulled by another vehicle, a business owner’s policy would be a prudent choice.

Some food truck operations may require additional coverages that cater to specialized risks such as food spoilage and contamination insurance, equipment breakdown insurance, and perishable foods in transit.

Comparing Quotes

Choosing the right food truck insurance policy for your business is striking the right balance between sufficient coverage and a reasonable premium price. That’s why it’s crucial to compare quotes from various insurance providers. That’s why we always provide you with three different quotes.

Get A Quote With Us Today

If you want policy advice or an exact cost for food truck insurance, we encourage you to get in touch with us.

We understand the risks associated with owning a food truck business. Our agents can reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive, so please take the time to call us to review your quotes.

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

  • Licensed insurance agents that are knowledgeable
  • Same-day coverage in most instances
  • Coverage from A-rated insurance companies
  • Ability to offer policies nationwide
  • The lowest price for the best Restaurant Insurance coverage in the industry
Written by: John Brown
John has more than 25 years of experience in the insurance industry. He grew from a star insurance producer to owning one of the largest agencies in the country; he's a reference regarding contractor's insurance, commercial insurance, and builders' risk insurance.