Food trucks cost 10 cents per dozen in most cities today. Catering Trailer Insurance offers a tempting alternative for those looking for easy and quick food and allows chefs to establish an impact without much expense.
Insurance companies must be aware that the mobile nature of these vehicles creates a unique risk profile. Contrary to traditional establishments that are stationary, food trucks mix the high-risk environment of food service as well as the responsibilities associated with an automobile that can be driven.
Risks such as fire, injuries caused by kitchen equipment and kitchen tools and food-borne illnesses vandalism, as well as theft are real-world concerns in the running of an operation that is mobile in its food service.
What kind of insurance do you require to cover food trucks?
In order to ensure adequate protection from insurance
for the food truck that is mobile, it is necessary to have multiple insurance policies that can work together. Small business-oriented commercial insurance policies
the truck as well as its contents as well as your staff as well as your two potential sources of liability that is the truck and your business.
Food truck insurance
It is necessary to have an insurance policy for commercial vehicles because trucking is in essence a business. As with an individual auto insurance policy,
this will be able to cover damages caused to the vehicle in the case of a collision as well as comprehensive and liability insurance. It will not cover what’s inside the vehicle.
Ensure the kitchen and truck’s contents.
Commercial property insurance will protect commercial
properties such as stoves, pans, and pots as well as food items,
as well as electronic equipment like points of sale equipment.
Everything you need from your company that isn’t connected to the truck will be secured
by property insurance against specific dangers like the weather, fire as well as vandalism, theft, and fire.
Food truck insurance liability
Although a commercial auto policy provides liability insurance it will
only cover damage that occurs while the vehicle is in motion, for example,
when a pedestrian is hurt by the driver driving the truck. General liability coverage for commercial businesses works in a different way from auto liability and is able to cover damage that occurs during the operation of the business.
If your restaurant has to defend against a consumer complaining that their food has made them sick, your liability insurance will cover legal costs and legal representation, even if the case.
Food Truck Employee Insurance
Employees aren’t covered under commercial general catering van insurance because they’re part of the company operations.
If an employee sustains an accident during their work, employees’ insurance will pay the medical bills of the employee and wages lost. Workers’ compensation is a requirement by most employers
on the state level and serves as a crucial security measure to protect your company from lawsuits involving employees.
food trailer insurance
What kind of insurance do you require to protect a food trailer that is towing by the vehicle?
In addition to the commercial insurance for the property as well as liability and workers’ compensation policies listed above the requirement for an endorsement to expand the Restaurant Insurance coverage
to protect the trailer that is towed for collision and comprehensive damage. In other words, the commercial auto insurance policy will only be able to cover the vehicle towing the trailer,
and the trailer itself will generally be covered to cover the liability.
In the event that your trailer is damaged during parking or during a collision, your insurance company will not take care of the property damages.
The coverage for liability for the trailer could differ generally based on the weight.
This is applicable to trailers that weigh less than
2,000 pounds so make sure you check with your insurance provider prior to purchasing additional insurance. Comprehensive and collision insurance is worth it for security.