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Did you know that there are around 25,000 food trucks in the US?
The food truck industry has been growing quickly over the past few years, with demand for quick, convenient, and tasty food higher than ever! If you have a food truck, you could be driving a gold mine.
But, if something happens to your truck, your whole business could fall apart. This is where insurance for food trucks comes in, and you need to make sure you get the right plan for your business.
Find out everything you need to know in our guide.
Look for the Full Food Truck Insurance Package
There are different types of insurance you need to cover your mobile food truck. Here’s what you need:
- Commercial auto liability
- General liability
- Business personal property
- Workers compensation
- Unemployment insurance
- Umbrella liability
If you can, look for a business insurance company that covers the whole package. This is much easier than setting up plans with various insurers and will make it simpler if you ever have to make a claim. Make sure the insurance company knows you’re a food truck so they can match you with the right plan.
Additional Insured Certificates
If you’re planning on taking your food truck to events, you’ll need to have an additional insured policy. Most places will ask to see your papers for this if you’re serving on their grounds. It basically makes sure that they’re covered if there are any accidents on their property.
Try and find an insurer who doesn’t charge for additional insured certificates. You may need to get a new one for each event you go to, which could end up costing you a lot!
Know Which Questions to Ask
If you want to get the right insurance policy for your food truck business, you need to know which questions to ask. Here are just a few that can help you:
- Am I covered if I get into a car accident?
- Is my insurance suitable for mobile businesses?
- Is coverage for food poisoning claims included?
- What happens if my truck is vandalized or stolen?
- Do any items that I tow need different insurance coverage?
By asking these questions, you’ll help your insurers understand what kind of policy you’re looking for and make sure you get exactly what you need.
Check Out Reviews
Once you’ve found a company who provides the right type of insurance for your food truck, it’s time to do some research into them. One of the best ways to do this is by checking out online reviews. Simply search the name of the insurer in Google along with reviews and see what you can find!
There should be plenty of customers discussing the company. Make sure that their feedback is mainly positive and see if there are other food truck users who are happy with their coverage. If there aren’t any reviews, this could be a red flag, unless they are a small/local insurance company who might not have a ton of exposure on the internet.
Find the Best Food Truck Insurance
Finding insurance for food trucks isn’t as hard as it was just a few decades ago. With their rising popularity, you should be able to find a good plan easily!
For more food truck tips, check out the rest of our blog. If you don’t have your food truck yet, we can help you put together a custom vehicle that suits your business perfectly.