Do I Need Food Truck Insurance?

Food Truck Insurance

Food trucks are getting more and more popular in recent years, leading to increased requests for food truck coverage. Food truck coverage uses several insurance policies to cover food trucks, business property, employees and other liabilities. These policies typically include commercial vehicle insurance, business property insurance, general liability insurance, employment practices liability insurance (EPLI) and workers’ compensation insurance.

What Does It Cover?

Food truck coverage can be fairly broad if you are willing to pay for additional protection. Base coverage normally would include:

• Liability
• Bodily injury
• Property damage
• Medical
• Physical damage
• Uninsured motorist
• Others

Do You Need It?

Businesses that usually need food truck insurance include:

• Mobile food trucks
• Ice cream trucks
• Catering trucks
• Lunch Trucks

As a food truck owner, you are liable for injuries, illnesses or damages that occur due to your business operations. Claims from unfortunate incidents can easily wipe out all of your revenue and cause your food truck business to go under. We highly recommend that you choose insurance coverage suitable for our specific food truck needs, and gain a bit of peace of mind.

How Much Does It Cost?

Basic food truck coverage costs start around $2,000 to $2,500 annually, but increase significantly if you need add-on coverage.

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