Chris Viton, Your Certified Insurance Agent
There are many risks involved in running a food service business, especially a mobile one. As an ICA certified agent, I have completed a series of classes that focus on the food industry. Certified agents invest many hours learning the operations, loss exposures, and the coverages unique to your industry. Call Chris today.
Food Truck Insurance
Food Truck Insurance is a coverage tailored specifically for mobile restaurants. Our food truck agents are trained to know what coverages you need to fill any gaps in liability that could damage your business.
- General Liability - Customers
- Commercial Auto - Food Truck
- Vehicle Damage
- Workers’ Compensation
- Excess Liability/Umbrella
- Cooking Equipment
- Supplies & Inventory
- Food-Related Illnesses
- Slip & Fall
Coverages to Consider
Liabilities such as food-related illnesses, auto accidents, slips, and falls need to be considered as possible risks to the business. Employees must also be considered and protected under your food truck insurance policy. Making sure you have proper employee coverages and benefits is a must. And don't forget, theft can be a big issue in larger cities so you will what to consider that coverage as well.
Truck expenses and potential vehicle damage are also common risks. You can count on having to change the oil in the vehicle regularly, but don’t forget many things could go wrong. If your truck is out of order for a week, how will that impact your finances? Planning for these uncontrollable events can protect your business income.
There are many things to keep in mind when running a food truck business, but what about when you are having repairs done to your truck? Keep in mind; it is your responsibility to check with the shop you go to about their current insurance policy. They may not have coverage to protect your vehicle while it is in their care. You will also need to understand your insurance policy and if it will cover your vehicle while in a 3rd party’s care. Protect your food truck business today.
As experienced food truck insurance agents, we understand the operations of your business and will help you assess the risks associated with your food truck. Contact us today to get started.