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: