Food Truck Insurance

What Is Food Truck Insurance?

Food truck insurance is a type of business insurance that’s customized to protect against the unique risks that come with the job. This type of insurance policy combines multiple coverages that help protect food trucks and food truck owners in the event of accidents, injuries, illnesses, lawsuits and equipment breakdowns.

Although The Hartford does not offer business insurance for food trucks at this time, we’ve partnered with Tivly to help you find the insurance you need.

What Types of Insurance for Food Trucks Are Recommended?

Commercial food trucks face more unique risks than other small businesses. You can customize your business insurance policy by adding additional coverages. Some of the most common coverage options for food truck businesses include:

Business Owner’s Policy (BOP): Combines property and general liability insurance into one business insurance policy. A BOP helps cover your business from claims resulting from things like fire, theft or other covered losses.
Commercial Auto Insurance: Helps protect you and your employees while you’re out on the road driving covered vehicles for work. If one of your employees gets into a car accident while on the job, this coverage can help pay for medical costs and property damage.
General Liability Insurance: Protects your business and its assets if you’re involved in claims of negligence, bodily injury, advertising injury or property damage. Without this liability coverage, you’d have to pay for these lawsuits out of pocket.
Workers’ Compensation Insurance: Gives your employees benefits to help them recover from work-related bodily injuries or illnesses. Workers’ comp can also help cover medical expenses, rehabilitation and lost wages.
Liquor Liability Insurance: Helps protect businesses that sell, serve or distribute alcohol. This type of insurance can also help cover claims of bodily injury or property damage that an intoxicated customer causes after your company served them alcohol.

How Much Does Food Truck Insurance Cost?

The cost of food truck insurance varies. Insurance companies use different factors to calculate what you’ll pay for coverage, including:

Number of employees
Location
Type of coverage
Claims history
Selected coverage limits

Who Needs Food Truck Insurance?

Some types of businesses that may consider having food truck insurance include:

Mobile food trucks
Ice cream trucks
Catering trucks
Vending trucks
Lunch trucks
Concession trucks

Covering Your Food Truck Operations

Food truck owners spend countless hours traveling and cooking for customers. With the right type of commercial insurance, you can have peace of mind knowing that you’re protected if the unexpected happens.

General Liability Insurance

“A customer was walking behind my food truck when they slipped and fell on leaking water coming from my truck. He injured his arm and needed to go to urgent care to have it looked at.”

General liability insurance can help cover claims alleging that your business caused bodily injury to someone else. This coverage can help pay for the person’s medical treatments and your legal costs if they sue your business.

Liquor Liability Insurance

“Our food truck serves alcohol and was hired for a special event. Someone attending the event ended up drinking too much and fell. He broke his ankle and needed medical treatment.”

Liquor liability insurance for food trucks can help protect your business from legal fees if customers are injured or cause damage after you serve them alcohol.

Taking Care of Your Food Truck Team

Your job isn’t just about making delicious food. From cutting and slicing ingredients to lifting and carrying heavy boxes, we know there are many risks you face daily while running your food truck business. Keep your company and staff protected with business insurance you can count on.

Workers’ Compensation

“One of my employees was carrying cases of beverages into our truck when he tweaked his back. He must have picked up the box wrong because he immediately felt pain when he stood up. He couldn’t work for a few days and had to go to physical therapy.”

Workers’ compensation insurance covers your employees and helps them recover from a work-related injury or illness.

Employment Practices Liability Insurance

“One of my new employees kept showing up late to her shift for weeks. After countless warnings, I made the decision to let her go. The next thing I know, she filed a lawsuit against my business.”

Employment practices liability insurance can help cover claims related to wrongful termination, discrimination and retaliation.

Protecting Your Food Truck Property

While your truck is the most essential asset to your company, it’s also important to protect other types of property. Food truck insurance can help you protect your equipment.

Commercial Auto Insurance

“On our way to an event, our food truck hit a patch of ice and slid into a pole. Luckily, we were okay, but the front of our truck was damaged.”

Commercial auto insurance can help keep you and your employees safe on the road while you’re driving for business, picking up supplies or delivering goods. This coverage can help pay for medical costs and property damage from an auto accident that happens while on the job.

Perishable Foods in Transit Coverage

“One of our customers called to complain about getting ill from eating spoiled food from our food truck. We discovered that our refrigerator unit in the truck broke and didn’t keep our food fresh.”

Many insurance providers offer Perishable Foods in Transit coverage to help replace ruined or spoiled items.

Get a Quote for Food Truck Insurance

With the right type of insurance for your food truck business, you can focus more on what’s important to you, like serving your customers. Get a food truck insurance quote through our partner, Tivly.

Food Truck Insurance