Food Truck insurance
Food Truck insurance Details
You sit on the street corners waiting to feed the masses of hungry people that are about to arrive. They’re ready to stand – hungry (sometimes in the rain and a long line) for their turn to get one of your niche foods. Food trucks are all the rage right now in large cities and small towns.
As a chef on wheels, you take your craft and turn out delicious delicacies often moving locations from day to day. While a food truck may not be a traditional restaurant, there are still local, state, and federal standards to abide by as well as insurance to purchase. If you are thinking of branching out into the food truck marketplace, we break down the food truck insurance you might need in Oregon.
Multiple Companies Represented
Licensed Professionals.
Food Truck Insurance coverages available in Oregon: --------
- Commercial Auto – Insurance to cover your kitchen on wheels. Both collision and comprehensive coverage are available as well as liability coverage.
- Business Interruption Coverage: Coverage in the event your vehicles are out of order.
- General Liability: Coverage for negligent or accidental damages.
- Spoilage Coverage: In the event, your refrigeration goes out and spoils your food or drink.
- Inland Marine: Covers your portable equipment like generators, computers (iPads) as well as property in your care temporarily like traveling art.
- Business Umbrella Insurance: Above and beyond insurance protection for your business.
Additional coverage is available too. Ask your agent about:
- Comprehensive General Liability
- Property Coverage for Buildings and Contents
- Employee Benefits Liability
- Employee Practices Liability
- & more!
Frequently Asked Questions
What insurance does a food truck need?
Food trucks typically need commercial auto insurance and general liability coverage. Depending on the operation, additional coverage may include business property, equipment breakdown, workers' compensation, product liability, business interruption, and coverage for cooking equipment and other business property.
Is food truck insurance different from restaurant insurance?
Yes. While food trucks share many of the same risks as restaurants, they also have significant commercial vehicle exposures. A food truck insurance program should consider both the food-service side of the business and the risks associated with operating a vehicle.
Does food truck insurance cover cooking equipment?
Coverage may be available for grills, fryers, refrigerators, freezers, generators, point-of-sale equipment, and other business property installed in or used with the food truck. The amount and type of coverage will depend on the policy.