Mobile Vendor / Food Truck Insurance
The food truck craze continues to grow in popularity. And why not? The freedom to travel to different locations and events to share your unique culinary experience with the masses has major appeal. But it also comes with risks to consider. Our Trigon brokers will help you determine your risks and craft the right policy.
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Who needs mobile vendor / food truck insurance?
- Food truck owners
- Mobile food vendors
- Ice cream truck owners
- Beverage stall vendors
- Hot dog cart owners
What does mobile vendor / food truck insurance cover?
Commercial General Liability (CGL) Insurance protects you if you’re found responsible for property damage or bodily injury. Suppose a customer alleges that your food caused them to become ill. A CGL policy will generally cover legal expenses, medical fees, and damage awards.
Commercial Property Insurance protects your food truck and its contents from insured perils outside your control, such as fire, natural disasters, and theft. It can also include business interruption coverage if your business cannot operate because of an insured claim.
Equipment Breakdown Insurance is critical coverage to consider when purchasing insurance for your food truck. The cost to repair or replace commercial appliances that are broken or damaged from a mechanical or electrical issue can undoubtedly add up. So you’ll want to make sure you have Equipment Breakdown Coverage in case this happens.
Frequently Asked Questions
Firstly, commercial auto insurance is a given if you plan to take your food truck out on the road. But you should also have Commercial General Liability (CGL) coverage. It covers your food truck operations against physical injuries to customers, property damage to nearby buildings or structures resulting from your operations, or food poisoning claims.
Business Interruption Coverage might be a good option for your food truck if you could not operate due to an insured claim like a fire. This coverage provides financial compensation for lost income (like overhead costs and staff wages) during the time it takes to restore your operations.
Questions? Let us help you.
Speak with a broker to learn more about mobile vendor / food truck insurance.
613-526-1184
