FOOD TRAILER INSURANCE

You bring the trailer, and we’ll bring the no-commission agents, 10-minute online purchasing, and 24/7 access to certificates of insurance. 

*Annual plan starting at $299/year

What Is Food Trailer Insurance?

Insurance for food trailers is a series of general liability insurance coverages to protect your food trailer when it is unhooked from your vehicle and parked at an event or business location. It includes coverage for incidents that occur in, or on your food trailer. FLIP doesn’t cover the transportation of your trailer because we don’t offer commercial auto coverage. 

How Much Does Concession Trailer Insurance Cost?

Food trailer insurance, or concession trailer insurance, starts at $299 per year and requires a trailer endorsement. Monthly plans are also available starting at $25.92 per month. This includes up to $2M in general and product liability coverage. 

We know that not all businesses are the same, so not all insurance policies should be the same. At FLIP, you can tailor your food trailer policy to your business and add additional coverages and increased limits to fit your unique business needs. Additional policy options include increased liability limits, professional liability coverage, and cyber liability coverage. 

Why Do I Need General Liability Insurance For My Food Trailer? 

Without food trailer insurance, you could be faced with business-crippling expenses that could stem from just one claim. Claims are expensive. Imagine you’re at a food festival. You notice a customer lingering near your generator but it’s during the lunch rush so you think nothing of it. All of a sudden your food truck loses power and you discover that your generator has been stolen. Without insurance, you’re stuck paying thousands of dollars to replace your stolen generator. 

With insurance, this scenario and claim wouldn’t be as painful. FLIP could take care of the cost and you’re free to continue running your business.

Coverage Details:

General Liability Aggregate Limit
$2,000,000
Products-Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible
$250

For food trailers, general liability limits only apply if you add a Trailer Endorsement to your policy. (Trailer Endorsement can be added during checkout).

**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages. For a sample policy, please contact us at (844) 520-6992 or by email at info@fliprogram.com.

General Liability

General liability insurance can protect your business in the event of third-party bodily injury or property damage claims. If you run power cords around your trailer and a customer trips and injures themselves on it, you could be held liable. With general liability insurance, you’re covered from those costs. 

Aggregate Limit: $2,000,000

Product Liability

As a risk of the trade, food poisoning is something you never want to happen. However, most claims –like food poisoning– can be unavoidable. Protect yourself should that claim ever occur to you with product liability insurance. 

Aggregate Limit: $2,000,000

Tools & Equipment Coverage

Also known as inland marine, tools and equipment coverage extends coverage to your valuable equipment. If you have a generator, deep fryer, or refrigerator that your business is dependent on, you should consider adding this coverage to your policy. 

If your generator or deep fryer is ever damaged by events out of your control –such as weather or theft– then you could be reimbursed or compensated for the damages. 

Aggregate Limit: $10,000

Damage To Premises Rented

Do you operate your business in several different locations? If so, this insurance is for you! Extend your insurance to the places you rent and protect yourself in case your business causes any damages. It is important to note that FLIP offers business owners free unlimited additional insureds for those who require it. 

Aggregate Limit: $300,000

Cyber Liability Insurance

If your business collects or stores information on a computer, tablet, or mobile device, then you’re vulnerable to the damages and costs of a cyber security breach. We strongly recommend this coverage option.

Aggregate Limit: $300,000

Why FLIP for Food Trailer Insurance?

  • Personalized limits and coverages to fit the unique needs of your business.
  • Get a same-day, completely online quote. 
  • Free unlimited additional insureds
  • Access to all the insurance knowledge of our licensed agents. 
  • Agents don’t earn a commission, making your policy premium cheaper.
  • 24/7 access to your policy documents and certificates of insurance. 

 

Start your quote today to get the food trailer insurance protection of your dreams! 

What Are Some Common Claims for Food Trailer Businesses?

As a business owner, you are susceptible to many types of claims. Unfortunately, they can be unavoidable but we have you covered with insurance for food trailers! Listed below are several different types of claims you could see as a food trailer business. 

  • A customer gets sick from the food you served them. They sue you for not preparing the food properly. 
  • A summer storm blows through and a rogue lightning strike blows out your power. You don’t have a generator to keep your food cold. 
  • While at a sporting event, your deep fryer leaks grease all over the concrete, staining it. You are responsible for the cleanup and repairs. 
  • You forget to tape down your power cords and unfortunately, it causes a customer to trip and badly sprain their ankle. They sue you for the negligence of property. 

All of these claims can be unavoidable. However, with food trailer insurance the cost of these claims can be mitigated or even eliminated. 

What Is An Additional Insured For Food Trailer Insurance?

An additional insured is anyone that you rent a space from. This can be an event organizer or landlord. With an additional insured, you extend your insurance protection to them by lisitng their information on your insurance policy.

You can add an additional insured to your policy at any time by simply logging in to your user dashboard and filling out the additional insured’s information. The best part is that you get free unlimited additional insureds when you purchase a policy through FLIP. 

Why Do I Need Food Trailer Insurance?

Without insurance, if your business is involved in an accident, you may be held liable to cover hefty expenses, the cost of which could be financially crippling. As a food service business, it is vitally important to have both general and product liability insurance in case an individual is injured or becomes sick either from your business operations or from consuming your product.

Additionally, many locations and events where you might want do business require vendors to have insurance, so it makes sense to get yourself covered!

What Is The Difference Between Food Truck And Food Trailer Insurance? Which One Do I Need?

Food truck insurance is different from food trailer insurance because food trucks are mobile vehicles whereas a food trailer is towed behind another vehicle. If you own a food truck, you will need food truck insurance. If you own and operate a food trailer, then you will need food trailer insurance.

Does Insurance For Food Trailers Include Commercial Auto Insurance?

No, it does not. 

Can I Get Higher Limits On My Food Trailer?

Yes. When filling out your quote application you can select the limits you want to include in your food trailer insurance policy.

Annual Policies

Starting

at

$ 299

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