Food Truck Insurance

Food Truck Insurance is a customizable coverage package that protects your business from food service liabilities such as food poisoning and perils like unexpected weather and theft.

Whether you are an industry expert operating from your favourite location for the last 15 years or new to the industry, Food Truck insurance is necessary to maintain smooth business operations and attract more customers.

Food Truck Insurance is required in many municipalities if you operate a food truck business that serves or sells food or drinks. It is a form of risk management and protection when the unexpected occurs. Many municipalities will also require you to 

As a food truck owner, you want to provide your customers with an incredible but affordable food experience. However, if your service is short of their expectations and leads to foodborne illnesses, you can face liability claims and out-of-court expenses. An inclusive policy that covers your cooking equipment to business interruption ensures you can continue doing what you love without a hiccup.

We understand that not all Food Trucks have the same risk exposure. We will provide you with a comprehensive package protection plan to ensure your business thrives and succeeds.

Food Truck insurance policy  typically includes:

• Contents: Having business property coverage for the equipment used for your business operations enables you to focus on doing what you excel at without worrying about the financial consequences of damages or losses. 
• Commercial General Liability (CGL) insurance: CGL covers third-party property damage and bodily injury on and within your food truck premises.

Additional coverage you may want:

• Commercial Automobile Liability: This coverage covers your food truck and business automobile in the event of bodily injury, personal injury, and physical damage.
• Equipment breakdown: This covers the repair and replacement cost of your stove, deep fryer, and more.
• Business Interruption: provides financial reimbursement for lost income due to covered perils like fire or theft.

• Age and Type of Equipment
• Annual and Projected Income
• Applicant Details
• Contents
• Deductibles
• Locations served
• Number of Employees
• Types of food and beverage served
• Types of vehicle(s)
• Specified Coverage
• and more

Operational risks: Accidents happen when it is hard to maneuver in small spaces. Accidents like slips and falls, burns, and heat stroke can occur anytime you least expect it.

Vehicle accidents: Larger vehicles have more prominent blind spots. While your food truck will be parked most of the time, food trucks are more susceptible to accidents than your average vehicle on the road.

Lack of vehicle maintenance: Food truck business relies on a well-maintained vehicle. To avoid business interruption, ensure that you handle minor repairs sooner than later.

Food spoilage: Unlike traditional restaurant setup, food trucks have limited space and must keep ingredients aboard. Limited space increases the risk of cross-contamination, improper refrigeration, and pest infiltration. All of these risks can lead to food poisoning your consumers. Standard operating procedures can help reduce foodborne illness outbreaks and maintain food standards.

Fire hazard: Food truck encounters similar risks to your favourite restaurant. When cooking food for your customers, you are likely handling cooking equipment, flammable liquids, and grease. Always know fire safety basics and have an emergency plan when the case of a fire.

• General liability insurance (GLI): Your assets are covered against personal injury or property damage claims. GLI coverage also covers medical expenses and legal fees incurred.
• Content insurance: Content insurance coverage protects your equipment within your truck. If your fryer breaks down, your food truck insurance will cover this damage or loss.
• Professional liability insurance (PLI): PLI protects you from claims by people or organizations. PLI is essential if you have employees; if you don’t, it can protect your personal assets.