What is Food Truck Insurance?

Food trucks have become increasingly popular in recent years, as they’re relatively inexpensive to open, fun to run, and can be highly profitable. Operating a food truck isn’t all fun and profit, though. This type of business comes with potential risks, and those risks should be taken seriously. Food truck insurance helps protect food trucks and carts from many of the perils they’re exposed to.

Food truck insurance is a form of commercial insurance that’s uniquely drafted to meet the insurance needs of food trucks and food carts. Most policies include a combination of affordable coverages, which can usually be customized for a food truck or cart’s particular situation.

What Coverages Does Food Cart Insurance Provide?

Since the coverages contained within policies can often be customized, food cart insurance policies don’t always provide the exact same protections. Nevertheless, there are several common coverages that policies frequently make available as either standard or optional protections.

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Available coverages may include:

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.

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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 

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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.

Meet Your Industry Specialist

Jeff Kroeger

Principal, Senior Vice President, and Head of Commercial Lines, Mr. Kroeger also manages the company's hospitality book of business and is that unit's primary producer. He is a graduate of Montclair State University and was named a 2015 Young Gun Insurance Business America.

Jeff has been providing exceptional insurance for restaurants, bars, nightclubs, and more for many years. He understands the unique challenges this industry faces and delivers the right coverage at an affordable price.

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