Insurance for Food Trucks

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Running a food truck business is exciting, but it also comes with a great deal of responsibility. In addition to making sure that your business can survive and thrive through setbacks, you need to consider the safety and satisfaction of your employees and customers. One of the ways you can do this is to carry food truck insurance.

Who Needs to Have Food Truck Insurance?

As you might have guessed, anyone who plans to run a commercial food truck business needs to have food truck insurance. Even if you think you run your business well enough to prevent accidents from happening, you can’t predict everything. An uninsured business, especially one that’s just starting out, can be seriously hurt or even forced to shut down by the financial strain of legal action—not to mention the effects of messy lawsuits on public opinion.

The Purpose of Food Truck Liability Insurance

Food truck policies are meant to protect food truck owners in cases of accidents, injuries, illnesses, or other customer harm that the business would be legally liable for (see the next section for coverage details). With a food truck, liability is more about accidents that can be attributed to your business than it is about whose land the customer was on at the time. So long as an accident can be argued to have been caused by your business or business property in some way, you will be deemed liable.

Food Truck Insurance Coverage

Your coverage will vary depending on your agency and the details of your insurance policy, but the following are examples of things that can be covered by food truck insurance:

  • Truck damage: Car accidents, vandalism, etc.

  • Automotive liability
  • Equipment damage or failure: Freezers, deep fryers, grills, etc.

  • Employee accidents (workers’ compensation)

  • Unemployment
  • Customer accidents: Slips and falls (condiment spills, equipment trip hazards), Injuries from contact with equipment

  • Foodborne illness: Undercooked or tainted food, coliListeria and other common outbreaks

food truck serving meatballs

The specific limits of each type of coverage will be dictated by your policy. You may also be able to increase these limits by adding umbrella insurance. If the standard coverage doesn’t seem like enough for your business, ask a Tabak Insurance agent about your options for additional coverage.

As with coverage, your premium amount will depend strongly upon your agency and policy. Generally, however, you can expect food truck insurance to start at a minimum of about $300 a year ($25 a month).¹ Of course, the amount will increase as you add more coverage or increase limits. In the grand scheme of your business expenses, food truck insurance is quite affordable and can save you money in the long run.

Need Food Truck Liability Insurance? Call Tabak Insurance Agency

Tabak Insurance Agency has been providing reliable insurance to the food and beverage industry for more than 25 years. If you’re planning to start a food truck or need a policy for an existing business, get a fast food truck insurance quote online or call us at 281-769-5274.

Sources

  1. https://www.shopkeep.com/blog/how-much-does-it-cost-to-start-a-food-truck#step-1

General Liability

A general liability insurance policy covers your business from liabilities resulting from accidents, injuries, or damage to your property.

Liquor Liability Insurance

A liquor liability policy is specifically for businesses that serve or sell alcoholic beverages. It protects against lawsuits related to damages or injuries caused by intoxicated patrons.

Commercial Property

This policy protects your business assets and property in the event of damage or loss from theft, vandalism, fires, or other natural disasters.

Errors and Omissions Insurance

If a patron claims negligence or loss due to an error or omission on the part of your business, this policy steps in to provide adequate protection.

Business Owner’s Policy (BOP)

This policy combines several coverage types including general liability, property, and business interruption insurance.

Workers’ Compensation

The workers’ compensation policy provides financial coverage toward medical expenses and lost wages for employees who are injured on the job.

Directors and Officers

This insurance policy supplies financial protection to directors and officers in a company in the event they are sued for failing to uphold their legal responsibilities.

Retail and Shopping Strips

A retail policy covers a business that sells goods or services from financial loss due to property damage, liability claims, and any other risks.

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Our reliable team members are available to answer any questions you may have. You can get a quote online by filling out our online insurance questionnaire or call us at 800-806-0689.

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