Food trucks are becoming more and more popular. Without the constraints of a physical restaurant building and kitchen, you’re free to travel to different locations, festivals, and more to serve your specialties. There’s a creative freedom in food trucks that’s not there in most restaurants, which is certainly a draw. But with all this freedom comes some unique risks. That’s why it’s important to have comprehensive food truck insurance coverage to protect your business.

Food Truck Insurance

Protect your food truck with customized coverages that match your small business’s needs. We offer custom commercial food truck policies with a variety of coverages and benefits.

Who needs it?

Businesses that commonly need food truck insurance include:

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

How much does it cost?

The cost of food truck insurance varies because food truck businesses, and the risks they pose, also vary.

Several risk factors affect your rate, such as the type of foods you sell. A food truck that prepares grilled or fried foods can expect their rate to differ from a truck that sells prepackaged goods. The grills and fryers expose the business to additional risks.

Another example is the value of your truck and the equipment attached to it. For example, a food truck with $15,000 in attached equipment would justify a slightly higher rate than a food truck with $8,000 worth of attached equipment.

Basic food truck coverage:

Commercial Auto

This coverage is essential coverage for food trucks and trailers. Adding physical damage coverage to your policy not only protects your vehicle but also covers any permanently attached appliances and equipment.

General Liability

This policy protects your food truck business against financial liabilities that result from accidents for which you’re legally liable. This can include a customer becoming ill from contaminated food or being burned by hot food.

Other coverages you might need:

Workers’ Compensation

Workers’ comp protects your employees who become injured or ill while at work.

Call Dorsal Insurance today for a quote at 786.601.2485