Food truck insurance
Running a business is difficult. Insuring it shouldn't be.
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Building (and protecting) your dreams
You have always been gifted with your ability to make people smile with great service, friendly conversations, and amazing food. Sometimes you change your location to meet shifting demand, and other times, your location creates new demand. You thrive on that change and challenge.
You handle the shopping, preparation, driving, and service – yet issues can arise no matter how hard you try to avoid them. Food truck insurance is essential to protect your business and your dreams from the risks inherent in the food truck industry.
Have assets, like inventory or equipment, that can be stolen or damaged.
Risk customer injury or property damage due to your operations.
Accidents that could threaten your food truck business
Without proper food truck insurance, claims can take a considerable toll on the financial viability of your business. Here are just a few examples of accidents that could threaten your investments:
Kitchen fire: Even a small kitchen fire could damage your property and put your source of income at risk. Protecting the truck that is critical to running your business will help you recover.
Customer property damage: Let’s say you’ve been hired to provide the food for an anniversary party on a couple’s farm. They could claim that you or your staff damaged their property. Without food truck insurance, you would pay for the damage out of pocket.
Driving to your next food park: If you or your staff run a red light and cause an accident rushing to get to the food park for the day’s work, auto-related claims could affect your business.
Workplace injuries: An employee could experience a workplace injury, such as a burn while frying food. Food truck insurance could help alleviate the financial burden of the employee’s medical care.
For example, just like when you order a meal at a fastfood restaurant, when you buy the meal deal, it's cheaper than if you buy your sandwich, drink, and fries individually.
Simplifies the insurance process and makes it easier for you to manage multiple coverages in one business owner’s policy.
It’s invaluable to have the peace of mind that you are properly protected through a range of coverages included in one business owner’s policy so you can focus on growing your business.
What kinds of insurance does a food truck need?
Food trucks face the same risks as any other vehicle on the road, but your truck also contains valuable equipment and inventory. Being on the move and operating in different locations exposes you to unique commercial risks that demand the additional protection food truck insurance provides.
When it comes to insurance coverage, there are some commonalities between food-related businesses like food trucks, restaurants, and mobile food service businesses like caterers. There are also important differences. While all food-related businesses need standard policies like commercial general liability and workers’ compensation, you need a comprehensive plan that safeguards your investments, your equipment, and your personnel wherever you go. Additional coverage types your business may need could include:
How to get food truck insurance
We are in it together. While many potential accidents could threaten the stability of your food truck business, working with a trusted advisor who understands food truck insurance can help protect your investments and allow you to focus on getting the job done right.
There is no one-size-fits-all solution in the food industry, which is why it’s important to discuss where and how you operate with a knowledgeable commercial insurance agent who has experience in food truck insurance and can get you the coverage you need.
Why choose the Commercial Insurance Center for food truck insurance?
By now you understand how important it is to be properly insured. What’s next? Get matched with an expert who will take the time to understand the nuances of your business and industry to get you the right coverage at the right price.
Call the Commercial Insurance Center now (380) 225-5242 to connect with an agent who has experience providing business insurance for food trucks just like yours.