Food Truck Insurance Resource Center

Due to low inventories of food trucks, lower barrier to entry or just pure preference, food trailers are often a great option for people looking to get in the industry. However, you need to be aware of some pitfalls from an insurance perspective.
With a food truck, the kitchen and vehicle is combined to create a single vehicle exposure. However, a food trailer has the mobile kitchen exposure (trailer + kitchen) and a vehicle that is needed to tow the trailer to venues. Usually that...

Catering food trucks have a unique insurance coverage exposure that most insurance carriers do not want to insure. Workers’ Compensation is one of the most important insurance coverages that a food truck owner must purchase for his...

Mobile Business Income is one of the most important, but least discussed or known insurance coverage. Business Income is a standard coverage on a brick and mortar restaurant, but often not available for a mobile food truck business.
You may ask, what does Mobile Business Income cover? Let's give a real life example...while driving through a parking lot you hit a building concrete awning and heavily damage the top half of your truck. Now your Auto Liability...

Let's start with the definition of Workers' Compensation insurance...
Workers' Compensation - provides protection to the employer against liability imposed by law to pay benefits to any worker injured in the course of and arising out of employment, without regard to fault or negligence on the employer's part...