Do I need Food Truck Insurance ?

🚚 Commercial Auto Insurance – Ensures DMV compliance and covers your liability on the road. When combined with comprehensive and collision coverage, it protects your food truck unit (excluding equipment) against accidents, theft, or damage. This coverage also helps pay for repairs and legal costs if you're at fault in a crash. Learn more in "Why Food Truck Insurance Essential?" . 

⚖️ General Liability Insurance – Covers third-party injuries, property damage, and legal claims. If a customer slips near your truck or gets sick from your food, this coverage helps protect your business. LEARN MORE

👷 Workers’ Compensation Insurance – Covers medical expenses and lost wages if an employee gets injured while working, such as burns, cuts, or slips in the food truck.

📦 Inland Marine Coverage – Protects your mobile equipment, inventory, and cooking gear while in transit or at different locations. If your cooking appliances, food supplies, or POS system are stolen or damaged, this coverage helps replace them. Learn More in "Does my Food Truck Need Inland Marine?"

🚚Legal Compliance: To comply with DMV requirements, your food truck must be insured. 

🛡️Liability Protection: Shields your business from claims or lawsuits related to accidents, injuries, or property damage. Without insurance an accident can cost you, your business, current and future earnings and much more! 

📈Growth Opportunities: Wherever you park your truck, you’ll likely need to provide a Certificate of Insurance (COI) to the property manager. As your business grows, you will inevitably encounter COI requests that seem complex or confusing. Property managers often require COIs that:

• List them, their officers, employees, volunteers, and agents as additional insureds.
• Include waivers of subrogation.
• Specify higher coverage limits or unique coverage types.
• Contain specific, customized language.

📄 A Certificate of Insurance (COI) is essentially proof of insurance. This document provides key details about your policy, including the insurance carrier, broker, coverage types, policy limits, effective and  expiration dates, and other important information. A COI is often required to confirm that you have adequate insurance coverage in place. 

For many food truck owners, managing these detailed requests can feel overwhelming. That’s where we come in. With over 40 years of combined experience, our agents specialize in navigating even the most intricate COI requirements. Simply forward your certificate request to us, and we’ll handle the rest—from ensuring accurate wording to meeting every contract specification. We make the process seamless, so you can focus on what you do best: growing your food truck business. * Additional charges may apply *

🧭Navigating certificate requirements can be complex, but our agents make it simple. Just forward your COI request to us, and we’ll take care of everything. We offer same day service! [Additional Cost may apply] 

Here’s how we help:

1. ▶️Forward Us the Insurance Requirements: Simply send us the details, and we’ll take it from there.
2. 🏖️Relax, We will Handle the Entire Process:

• Decipher the Language: We’ll interpret complex insurance terms and requirements.

• Manage the Paperwork: From processing endorsements to completing necessary waivers, forms, or supporting documents, we’ve got it covered.

• Ensure Accuracy: Whether it’s unique certificate wording, additional insured endorsements, or waivers of subrogation, every detail will be precise and compliant.

• Prompt Delivery: Once everything is complete, we’ll send the Certificate of Insurance (COI) directly to the property manager or designated recipient on your behalf.

With our expertise, you can be confident that all requirements are met promptly and efficiently. Focus on growing your business, and let us handle the complexities of COI management—saving you time, effort, and stress.

📦Inland Marine Insurance is necessary to protect your business equipment. 

This coverage is a specialized type of property insurance that provides coverage for goods, equipment, and other movable property while in transit or stored away from the insured's primary location. Despite its name, it doesn’t involve marine or ocean transport but instead covers land-based transport and specific movable assets.  

Most commercial auto policies only cover the vehicle itself and do not extend to your business equipment, such as your kitchen and other property. To fully protect the items you transport in the truck, including your business assets, you will need to purchase inland marine coverage. This additional coverage ensures that all of your property is protected while on the move. 

LEARN MORE