Food trucks have become a fast-growing trend in the restaurant industry. With the ease of mobility and the convenience for service this format in food service is only going to continue to grow. We offer coverage for food truck businesses for general liability, automobile coverage, umbrella coverage and other optional staples for food trucks.
General liability covers the business in the case that someone sues for anything that the business can be found liable for. Added features can be customized for such incidents as food poisoning. Proof of insurance is usually requested by food truck vendors when they set up on a property owner’s site. We will discuss that a little more in the notes below.
Automobile insurance covers the truck. It may seem obvious to some but to cover the truck it must be listed on a commercial auto policy. You can add features to the policy such as customized equipment to cover the installed kitchen equipment for the business. You can also add coverages such as collision, comprehensive and even towing features.
Umbrella coverage gives extended liability over the above general liability and automobile liability coverages. In the case the business is sued for more that the coverage above this can help protect the business from financial hardships. This is especially important with a food truck because the business is mobile.
With a food truck comes many options to help better protect the interested of the business. Because it is a constant moving business more certificates of insurance are usually required by the vendor location owners. Certificates are usually required as well at the popular food commissaries that most food trucks are garaged. These certificates can be issued more easily with certain options to include an unlimited number of additional insured. It is also extremely important to be sure of the limits you choose on both the auto and the general liability policies because both coverages are usually needed when setting up at a business as a vendor. Other coverages are available such as food spoilage which can protect the company in the case that food is lost in an unforeseen circumstance.
Types of insurance needed:
- Property (Hazard & Fire) Insurance
- Liability Insurance
- Auto Liability Insurance
- Auto Physical Damage Insurance
- Loss of Income Insurance
- Terrorism Insurance
- Umbrella Insurance
- Worker’s Compensation Insurance