Food Truck Insurance

Available coverages may include:

• General Liability Coverage, which typically offers broad protection against a variety of common risks
• Business Property Coverage, which may help protect a vendor’s truck, cart or trailer, and their equipment
• Inland Marine Coverage, which might insure equipment while it’s being transported between sites
• Product Liability Coverage, which may provide protection from liability claims arising from food-borne illnesses that are spread by a vendor’s foods or beverages
• Commercial Vehicle Insurance, which vendors who have trucks usually need
• Liquor Liability Coverage, which vendors who serve alcohol frequently need 

These coverages can sometimes be purchased individually, but getting them through a package policy is more convenient. It also can provide significant savings, as many insurance companies offer discounts to businesses that purchase multiple policies together.

Are There Any Coverages Food Cart Insurance Doesn’t Include?

While there may be some exceptions, most food cart policies don’t include health, disability, or life insurance. If needed for employees or business owners, these coverages are usually purchased separately, through stand-alone policies.

What Sorts of Businesses Need Food Cart Policies?

Most businesses that serve food or beverages from a mobile truck, cart, or trailer should consider getting food cart insurance. A few examples of businesses that might need this type of insurance include:

• Gourmet food trucks
• Ice cream trucks and bicycles
• Hot dog and hamburger carts
• Concessionaires who go to festivals, carnivals, and fairs
• Restaurants that have food trucks

Not only do these kinds of businesses frequently need a food cart policy to protect themselves from the risks they face, but they also often need coverage to get contracts. Without adequate coverage, vendors may have a hard time getting permits from municipal governments or spaces at festivals.

What Factors Affect Food Cart Insurance Policies’ Premiums?

As is the case with most types of insurance, insurers take many factors into account when they set food cart insurance policies’ premiums. A few items they often consider include:

• How many customers a vendor serves
• Where a vendor serves customers
• What types of food and drinks a vendor offers
• What type of truck, trailer, or cart a vendor has
• Whether a vendor has a history of filing insurance claims
• What coverages and limits a vendor chooses 

How Can Vendors Get Quotes for Food Truck Insurance Policies?

Vendors who need help finding food truck insurance should contact an independent insurance agent who specializes in this type of insurance. A knowledgeable agent will be able to help vendors choose the coverages they need, and an independent agent can request quotes from several different insurance companies. With an agent’s help, vendors can easily compare policies, and they can be confident in the policy they select.