Food Trailer Insurance
Before you park your trailer, make sure you are covered with our food trailer insurance.
Benefits Of Food Trailer Insurance
Get peace of mind when you insure your food trailer.
Free & Unlimited Additional Insureds
We offer free & unlimited additional insureds. Add them directly from your user dashboard.
Coverage On The Go
We go where you go. Bring your authentic tacos to the crowd and enjoy full coverage wherever the event takes you.
Food Trailer Endorsement
Extend your General Liability insurance to your food trailer while it is detached from your vehicle and parked on premises
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 is designed to help cover third-party incidents that occur in or on your food trailer. The Food Liability Insurance Program (FLIP) doesn’t cover the transportation of your trailer because we don’t offer commercial auto coverage.
How Much Does Food Trailer Insurance Cost?
The cost of food trailer insurance, or concession trailer insurance, starts at $299/year, or $25.92/month, and requires a trailer endorsement. This includes up to $2M in general and product liability coverage.
We know not all food trailers are the same, so we don’t think all insurance policies should be the same either. 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:
- Food Trailer Insurance Endorsement
- Increased liability limits
- Professional liability coverage
- Cyber liability coverage
- Unlimited FREE additional insureds
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. So, yes, you do 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 to do business require vendors to have insurance, so it makes sense to get yourself covered! For example: You’re at a food festival when you notice a customer lingering near your generator. It’s during the lunch rush, so you think nothing of it. Suddenly your food truck loses power, and you discover your generator has been stolen. Without insurance, you’re stuck paying thousands of dollars to replace your stolen generator.
With insurance for a food trailer, this scenario and claim wouldn’t be as painful. FLIP could help you take care of the costs so you can continue running your business.
Let's Talk About Numbers for Food Trailer Insurance
Food Trailer Insurance Coverage Details
General Liability
Aggregate Limit: $2M
General liability insurance for food trailers 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.
Product Liability
Aggregate Limit: $2M
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.
Tools & Equipment
Aggregate Limit: $10K
Inland marine insurance extends coverage to your valuable equipment— like a generator, deep fryer, or refrigerator. 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.
Damage to Premises Rented
Aggregate Limit: $300K
Damage to premises rented can help protect your business when you operate in several different locations. It may cover you for damages caused by your business in the places you rent. Plus, FLIP offers business owners free & unlimited additional insureds for those who require it.
Food Trailer Insurance Highlights
560+ Five Star Reviews
Coverage Details Limits
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 Limit (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
Medical Expense Limit
$5,000
Have Questions? We're On It.
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.
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 listing 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.
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.
No, insurance for food trailers does not include commercial auto insurance.
Insuring your food trailer is easy. All you have to do is add the coverage when you fill out your quote application. When filling out your quote application you can select the limits you want to include in your food trailer insurance policy.
In order to adequately protect your food trailer you will need these coverages:
- General Liability insurance
- Product Liability Insurance
- Tools & Equipment Insurance
- Damage To Premises Rented
- Food Trailer Endorsement
You have the option to add cyber liability insurance and tools & equipment insurance. And with all of these coverages, you can increase the limits to better suit your business needs.
Of course, you can take precautions to protect your business, however, not all risks and accidents can be avoided. When your business is insured you can rest assured that when a claim happens, insurance can help protect you from the costs associated (such as attorney fees, medical fees, and more).
- 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!
