What is Food Truck Insurance?

Food truck insurance is a type of insurance that’s specifically designed to meet food trucks and food carts’ unique insurance needs. These policies give mobile food vendors an affordable way to insure themselves against many of the potential risks they face.

What Businesses in New York Need Food Cart Insurance?

Any business that sells or serves food or beverages at places other than its main location may need a food truck policy. Some examples of businesses that may want a policy include:

  • Hot dog carts
  • Ice cream trucks
  • Gourmet food trucks
  • Vendors that go to festivals
  • Concessionaires at fairs
  • Traditional restaurants that also have a food truck

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What Coverages Do Food Cart Insurance Policies Include?

Because food trucks and carts are exposed to a number of possible risks, food cart insurance policies usually have several coverages. Some common coverages that many policies contain include the following:

  • General Liability Coverage, which provides broad protections for a variety of businesses
  • Product Liability Coverage, which may cover incidents of food-borne illnesses caused by foods or beverages a vendor serves
  • Liquor Liability Coverage, which is usually necessary if a vendor sells alcoholic beverages
  • Business Property Coverage, which might cover a vendor’s truck, trailer or cart, and the equipment in it
  • Inland Marine Coverage, which could insure equipment and inventory while they’re in transit to and from a vending location
  • Commercial Vehicle Insurance, which is required by New York State if a vehicle is driven on public roads
  • Workers Compensation Insurance, which most businesses that have employees must carryProtect Your Business
Often, food trucks and carts obtain these policies through a single package that makes getting several insurance coverages convenient. In a few cases, however, purchasing policies separate can provide savings or better coverage. An independent insurance agent can help a food truck or cart owner consider all of their insurance options. 

How Can Mobile Food Vendors Get Food Cart Insurance?

Food truck and cart owners who need insurance for their operation ought to contact an independent insurance agent in New York who specializes in commercial insurance. A licensed agent can help a business owner understand the risks that their food truck or cart is exposed to and how food truck insurance can help protect them. An agent who’s independent can also help an owner shop around for insurance, as independent agents are free to help clients compare policies from all insurers serving the region. 

Make Sure You Have the Right Coverage

Get Your Wheels Covered

Running a food truck or cart is a lot of fun, especially if you’re serving up creative dishes to excited customers. There is a serious side to the business, though. Mobile food vendors in New York ought to be insured against a number of perils. Thankfully, food truck insurance provides many of the protections that food trucks and carts need.   

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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If you want great value with professional expertise, you've come to the right place.

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