Food Trailer Insurance

As an owner of a food or concession trailer, you take on a set of unique food vending tasks. You do business in multiple locations and travel often. You bring your products and equipment with you, which can lead to unique risks for you and your business.

Financial setbacks from a liability claim could leave you trailing behind your competition. Don’t let unforeseen events shutter your food trailer. Our affordable and comprehensive general liability insurance coverage is ideal for food trailer vendors.

Claims we’ve received from food trailer owners show how important it is to carry insurance:

  • A claimant’s food trailer was broken into and merchandise was stolen. FLIP paid $1,366.
  • An insured’s hot dog trailer caught fire causing damage to the wrap and component parts. FLIP paid $1,247.

Get A+ rated insurance with an easy online application. Kick your worries to the curb with FLIP. You’ll receive instant coverage the moment your payment processes. FLIP allows free unlimited additional insureds for food trailers participating in events, expositions, farmers markets, or festivals. Purchase a policy today and download your proof of insurance right away.

Why FLIP for Food Trailer Insurance?

  • A+ Rated Insurance Carrier
  • Affordable Premium
  • Licensed in All 50 States
  • Free Additional Insureds
  • Purchase Instantly Online - No Long Quote Process

"I couldn't be happier with the customer service I've received...  Everybody has been prompt, professional, and quick to understand my needs." Greg, AZ - More Testimonials
 

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Coverage Details

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

We live in a litigious society and someone could pursue legal action against you. Legal fees can add up to thousands of dollars and it can be a financial strain to deal with. General liability insurance responds to injury and damage that you are legally liable to pay for.

Aggregate Limit: $2,000,000

Product Liability

Food poisoning is every food business owner’s nightmare and you follow best practices in order to prevent it from happening. Sometimes outside variables take over and lead to trouble. A customer could purchase food from you and get sick. Product liability coverage responds to defects that cause injury.

Aggregate Limit: $2,000,000

Business Personal Property/Inland Marine Coverage

Running a business requires a lot of expensive appliances and gadgets. These items are at risk of being stolen/damaged and that can be a financial headache. Business personal property/inland marine coverage is designed to protect your movable property and give you a safety net.

Aggregate Limit: $10,000

Damage to Premises Rented

Food preparation is essential and sometimes you need to rent a commercial kitchen to fill orders. Damage to premises rented covers the space you rent and can respond to damage sustained, such as a fire.

Aggregate Limit: $300,000

FAQ's

What Is Food Trailer Insurance?

A food trailer endorsement on your Food Liability Insurance Program (FLIP) policy includes coverage for incidents that occur in, on, or around your food trailer when it is unhooked from your towing vehicle and parked on a rented premise. Most general liability policies exclude coverage for trailers and without this endorsement may leave your business exposed for these types of claims.

What Does Food Trailer Insurance Cover?

The food trailer endorsement only covers liability incidents when the trailer is detached and parked. If you are towing or transporting the food trailer, make sure your vehicle's auto policy covers the trailer. Personal auto insurance may not cover your food trailer if you are using your personal automobile for business purposes. Also, some auto policies may exclude trailers that have license plates or vehicle identification numbers (VIN).

How Much Does Food Trailer Insurance Cost?

Food trailer insurance from FLIP starts at $449 ($150 for a food trailer endorsement plus $299 or more for general liability coverage). Optional professional liability coverage or additional business personal property limits are available for an additional premium.

Do I Need Food Trailer Insurance?

Food trailer insurance is an essential part of any business that operates using a food trailer. Not only does it protect you in the event that somebody sues your business or is harmed from your business operations, but it also protects your finances and your business. In addition, many states heavily regulate food trailers and require that they carry food trailer general liability insurance.

3 Reasons Why You Need Insurance

Financial Safety Net

One huge risk every business owner may deal with is a lawsuit. From legal fees to court fees, these costs can add up fast and can be detrimental to your business. FLIP offers financial security for covered claims.

Peace of Mind

Focus on your passion and we’ll take care of covering your business. Instead of worrying about what can go wrong, you can spend time elevating your business and focusing on your customers.

Covers Industry-Related Risks

Food poisoning, injury, and trailer incidents are some of the many things business owners deal with. By adding liability insurance to your plan and food trailer coverage, you can cover many exposures.

What Businesses Need Insurance?

If you are traveling to various locations or run your food business in one place, you need coverage to protect your assets.

Types Of Businesses Who Need Insurance:

  • Food trucks
  • Concessions
  • Beverage carts
  • Food vendors
  • And more!

Concession Locations Liability Insurance Can Cover:

  • Parking lots
  • Business parks
  • Rest stops
  • Train stations
  • Fair grounds
  • Outdoor markets
  • And more!
 

Program Highlights

  • General Liability
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage

Program Benefits

  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed In All 50 States
  • A+ Rated Insurance Carrier

Contact us

FLIP (FOOD LIABILITY INSURANCE PROGRAM)
260 South 2500 West Suite 303
Pleasant Grove, UT 84062

P: 844.520.6992
info@fliprogram.com

Testimonials

"I have used FLIP insurance for two years now. They have always provided excellent service at an affordable price. Don't consider going with anyone else!"

Jessi, TN