What is food truck insurance and what does it cover?

If you’ve already started a food truck business, or are considering doing so, don’t overlook food truck insurance. Yes, it’s a thing—and yes, you definitely need it. Food truck insurance applies to the following mobile fast food categories:

  • Mobile food & catering trucks
  • Concession & vending trucks
  • Ice cream trucks

Basic food truck insurance covers two main areas: commercial auto and general liability. However, you can add policies for any additional areas where you might need coverage such as workers’ compensation and business owners insurance.

Additional types of food truck insurance coverage to consider

Once you’ve effectively locked in the appropriate commercial auto and general liability insurance to protect your business interests, another type of coverage that is important to consider is workers’ compensation coverage.

Commercial auto insurance

Commercial auto insurance is necessary for both food trucks and accompanying supply trailers. Physical damage coverage is a must to protect not only your actual business/storefront vehicle, but any connected equipment and/or appliances as well. Whether the unforeseen occurrence affects your food truck itself or vital supplies therein, reliable commercial auto insurance coverage will have you covered, thankfully.

General liability insurance

General liability insurance applies to food truck insurance in a very essential way—safeguarding your business from potential legal action relating to accidents and/or injuries for which you may be found liable as a business owner. The last thing you want as a burgeoning entrepreneur entering the food truck realm is to find yourself liable and uncovered due to an unfortunate accident.

Workers’ Compensation

Often referred to as “workmen’s comp,” protects your employees from any injuries or other mishaps that may occur while on the clock working for your food truck endeavors. While you hope such an occurrence won’t affect you or your hardworking employees, life doesn’t always comply with our plans. Protect your business and employees, and satisfy the state requirement, with workers’ compensation with Alchemy.

Interested in learning more about food truck insurance, or ready to sign up for a policy today? Don’t hesitate!

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