Food Truck Insurance

From food spoilage caused by equipment breakdown, to auto accidents and kitchen fires, Food Truck Insurance can help protect you from the risks you face as a business owner.

Here are samples of various insurance policies that may apply to operating a food truck:

Business Auto Insurance can get you on the road again quickly after an accident.  It can ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.

Employment Practices Liability can cover your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.

Property Insurance can fund repairs or replacements for physical assets damaged from vandalism, fire, windstorms or hail strike.

Liability Insurance can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.

Business Crime Insurance can protect against fraud, theft, forgery or robbery.

Mobile Business Interruption (also known as Business Income Insurance) allows you to continue to receive income while your business is being restored. It not only helps you to cover expenses needed to keep a business operating after
a loss, but it also helps you to replace lost revenue.

Cyber Liability and Data Breach provides coverage for privacy breach response services and expenses incurred to notify parties affected by a security breach, including fees and costs related to hiring a company to operate a call center.  It can also reimburse you for post-event credit monitoring costs for victims of breach.

Here are some additional insurance endorsements and coverages you can also add:

Umbrella can shield your business from potentially ruinous lawsuits with additional liability coverage.

Spoilage covers loss or damage to your perishable food stock that is maintained under controlled temperature or humidity conditions.

Equipment Breakdown pays for direct damage and resulting loss of income caused by or resulting from covered equipment breakdown.

Food-Borne Illness pays for loss of income and extra expense resulting from announcement by a public health authority or the media of an actual or alleged discovery of food borne illness at a scheduled location or another location with the same trade name.

Food Contamination Shutdown pays for loss of income as the result of a shutdown ordered by the Board of Health or other government authorities as well as certain other additional costs incurred to comply with such authority’s requirement because of actual or suspected contamination.

You can contact a Food Truck Insurance specialist at Farmer's Insurance, here: