Food Trailer Insurance
Before you park your trailer, get covered with the best food trailer insurance. Buy online in 10 minutes or less!
Benefits of Food Trailer Insurance
Discover what our top-rated mobile food trailer insurance can do for your business!
Exclusive Food Trailer Endorsement
FLIP is the only insurance provider offering this endorsement, which extends your general liability insurance to your food trailer when it’s parked and detached.
Free and Unlimited Additional Insureds
When event organizers or venue managers ask you to add them to your policy, you can do so directly from your user dashboard in minutes — for free!
Coverage on the Go
We go where you do. Bring your authentic tacos or gourmet lattes from one place to the next and enjoy full coverage wherever your business takes you.
What Is Food Trailer Insurance?
Mobile food trailer insurance combines different types of coverages, including general and product liability, to protect your food trailer business from common claims like:
- Third-party bodily injury (a customer trips over a crate you left in front of your trailer)
- Third-party property damage (your trailer awning blows off in a windstorm and hits another nearby food trailer at an event)
- A competitor accuses you of libel and says you spread false information about them in an ad
- A customer contracts a foodborne illness from your food
Food trailer insurance is designed to cover some — or all — of the costs of these claims, including medical bills, repairs/replacements, and legal expenses. This includes incidents that happen in, on, or around your trailer with our food trailer endorsement.
Food Liability Insurance Program (FLIP) is proud to be the only provider offering a food trailer endorsement.
Please note that food trailer insurance is not commercial auto insurance, which FLIP doesn’t offer at this time.
How Much Does Food Trailer Insurance Cost?
The cost of food trailer insurance starts at $38.42 per month and includes two parts:
- Base FLIP policy starting at $25.92 per month
- Food trailer endorsement for $12.50 per month
Don’t forget to add the food trailer endorsement during checkout! You must add this coverage to your base policy to extend your general liability coverage to your trailer.
What Types of Insurance Does a Food Trailer Need?
All mobile food service businesses need the following coverages:
Not all food trailers are the same, though. That’s why FLIP makes it easy to customize your policy with add-on coverages like:
FLIP: The Best Food Trailer Insurance Provider
Food Trailer Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
General liability insurance for food trailers is designed to cover third-party bodily injury and property damage claims. If a customer trips over your power cord and gets hurt, this coverage can pay for their medical bills.
Product Liability
Aggregate Limit: $2,000,000
Food poisoning is a risk of the trade. Product liability insurance is there to cover the cost of medical bills or lawsuits if a customer becomes sick or has an allergic reaction to your food or beverage products.
Food Trailer Endorsement
Aggregate Limit: $2,000,000
Most general liability policies exclude your food trailer because it’s considered a commercial auto, but not FLIP’s. Our food trailer endorsement extends general liability insurance to your food trailer, so you’re covered against third-party claims that happen in, on, or around it while parked at an event.
Products-Completed Operations
Policy Limit: $2,000,000
This insurance is designed to cover claims related to the food and/or beverage products you sell and the services you provide. If a client sues you because you didn’t show up to cater their event on time or a customer reacts to an unlabelled allergen in your food, this coverage would respond.
Personal and Advertising Injury
Policy Limit: $1,000,000
If a competitor sues you for slander or you get hit with a copyright infringement suit, personal and advertising injury insurance can cover the cost of your legal fees, including defense costs and settlements.
Damage to Premises Rented
Aggregate Limit: $300,000
This insurance covers property damage you cause to a rented space, like a commercial kitchen, for the first seven days you rent it. After seven days, it covers fire damage to the property.
What Makes FLIP the Best Choice for Food Truck Insurance?
Check out what others have to say about us from over 300+ available 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
FAQs About Insurance for Food Trailers
What Are Common Food Trailer Claims?
Some of the most common claims we get from food trailer owners include:
- Stolen generators
- Fire damage to their trailer/business gear
- Another vehicle crashed into their parked trailer
- Water damage to equipment inside their trailer caused by a severe storm
- Stolen equipment and damage to their trailer after a break-in
Learn more about how food trailer insurance protects your business from claims like these!
What Is the Difference Between Food Truck and Food Trailer Insurance?
Food truck insurance is designed for food truck businesses operating out of fully mobile vehicles. Food trailer insurance is made to protect businesses operating out of trailers that are only mobile when towed behind another vehicle.
Does Insurance for Food Trailers Include Commercial Auto Insurance?
No, FLIP does not offer commercial auto insurance at this time.
How Do I Insure My Food Trailer?
- Start your application
- Select “Food Trailer” as your business area of focus
- When asked if you would like to add a trailer endorsement to your policy, select “Yes”
- Fill out the rest of the required fields and include any add-on coverages you need
Can I Get Higher Limits on My Food Trailer?
If you need higher limits, call us at 844.520.6992, and one of our licensed, U.S.-based insurance agents will assist you. Our agents don’t work on commission and aren’t here to sell you anything you don’t need — they just want to help you get the coverage you need to protect your food trailer business.
