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Liability Insurance for Food Trucks
Liability claims could halt your food truck in its tracks and drain your financial resources. Don’t let unforeseen events put the brakes on your mobile food truck business. FLIP gives you the green light to operate with confidence knowing you are backed by comprehensive general liability insurance.
Buy today and get A+ rated insurance with an easy online application. You’ll receive instant coverage the moment your payment processes. FLIP allows free unlimited additional insureds for food trucks participating in events, expositions, farmers markets, or festivals. Purchase a policy today and download your proof of insurance right away.
|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 firstname.lastname@example.org.
A food truck insurance policy is designed to respond to claims related to the day to day operations of your food truck business that could impact your financial security. Covered claims may include slip and fall accidents, illnesses caused by your food product, or equipment loss.
With food truck insurance from the Food Liability Insurance Program (FLIP), we offer coverage for business personal property/inland marine, general liability, product liability, and damage to premises rented coverage.
A basic general liability insurance policy from FLIP starts at $299. However, there are additional coverage options that you can add to your customize your policy. As a food truck owner, you may wish to increase your business personal property coverage amounts or add professional liability coverage for example.
Food truck businesses that operate in California, Colorado, Connecticut, Florida, Georgia, Illinois, Louisiana, Maryland, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington can also purchase their business automobile insurance through FLIP partners.
Yes. As a food truck owner, you are liable if injuries, illnesses, or damages happen due to your business operations. For example, if a customer gets sick eating your food or if somebody trips and falls over a piece of your equipment and is injured, you could be held responsible.
Claims from unfortunate incidents like these can easily wipe out your business and personal finances and cause your food truck business to close. With FLIP insurance, you'll have the protection you need just in case something goes wrong.
Should I Choose Flip over the Other Food Truck Insurance Providers?
There are several reasons why thousands of mobile food vendors have chosen FLIP. One of the main reasons why we are so highly respected is because of our expertise in the insurance industry. FLIP was created by Veracity Insurance Solutions who has over 30 years in the general liability insurance industry.
Since we do not have to write every policy on an individual basis, we are able to be more cost effective, which translates to lower prices for you. Lastly, we are dedicated to offering world class service. We make it as easy as possible for you to contact us. With helpful and friendly staff, you will never feel neglected again!Buy Online Today.
"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
WHAT DOES FLIP OFFER ME?
- 12 Month Coverage
- General Liability
- Products & Completed Operations Coverage
- Damage to Premises Rented
- Business Personal Property Coverage
- Free Additional Insureds
Types of Food Trucks Covered
- Catering Trucks
- Ice Cream Trucks
- Sushi Trucks
- Lunch Trucks
- Taco Trucks
- Waffle Trucks
- and More!
HOW MUCH IS FOOD TRUCK INSURANCE?
There are only a couple of factors that affect the cost of your food truck policy. The first is annual gross sales. If the sales for your mobile food truck business are less than $50,000 per year, the insurance will cost $299 per year. If, however, your annual gross sales are between $50,001-$100,000, then your policy will cost $399 per year. You also need to factor in how much your business personal property is worth – this means items such as equipment, supplies, and inventory. If your business property is worth more than $10,000 then it is an additional $179 per year.