Food Truck Insurance

Food trucks have become increasingly popular in recent years, as they’re relatively inexpensive to open, fun to run, and can be highly profitable. Operating a food truck isn’t all fun and profit, though. This type of business comes with potential risks, and those risks should be taken seriously. Food truck insurance helps protect food trucks and carts from many of the perils they’re exposed to.

Food truck insurance is a form of commercial insurance that’s uniquely drafted to meet the insurance needs of food trucks and food carts. Most policies include a combination of affordable coverages, which can usually be customized for a food truck or cart’s particular situation.

Restaurant Insurance as Part of a Food Truck Insurance Package

Many states consider food trucks to be a form of restaurant, which affects everything from what safety regulations they must follow to how and where they must register in order to do business. Additionally, as a mobile business, food trucks often have to contend with different restrictions in their different service areas. All of the legal aspects of owning a food truck ultimately mean that it's important to have the right insurance as a restaurant and be able to handle any claims that come up for issues like sanitation and how safe it is to move in and around the vehicle.

Commercial Auto Insurance That Protects Your Food Truck

Food trucks also need to acquire commercial auto insurance to help protect against problems like theft, fire, electrical hazards, and vehicle breakdown. Standard vehicle insurance is not sufficient when a truck is being used for commercial purposes.

As the owner of a food truck, you know just how hard it is to keep your business running. Your goal is to protect your business as much as possible while keeping your expenses manageable, and The CFI Agency agents keep that in mind when they work with you to find the policy that best matches your needs. Don't hesitate to ask about other options or how much insurance you actually need—you might be surprised by how much you could save.