Benefits of Food Truck Insurance
How Food Truck Insurance Can Protect Your Mobile Food Business
If your catering rig is a trailer, no worries! We provide coverage for your food catering trailer.
Free and Unlimited Additional Insureds
Extend your concession truck insurance policy to any place you serve food for no extra cost.
We keep the prices low with agents who don’t make commission and policies that can be purchased 100% online.
How Much Does Food Truck Insurance Cost?
A basic food truck insurance policy from FLIP starts at $25.92 per month or $299 per year. However, there are additional coverage options that you can add to customize your policy. For example, you may wish to increase your business personal property coverage amounts or add professional liability coverage.
There are a few factors that affect how much your food truck insurance costs. The first is annual gross sales. If your mobile food truck business sales are less than $50,000 per year, the insurance can cost $299 per year. If, however, your annual gross sales are between $50,001–$100,000, then your policy can cost $399 per year.
You also need to factor in how much your business personal property is worth—including 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.
How Does FLIP Food Truck Insurance Work?
FLIP provides a series of insurance coverages that protect your business when claims happen. Most claims, such as third-party bodily injury claims and product liability claims, can cost thousands of dollars. FLIP’s insurance for food trucks can help mitigate or even eliminate those costly claims.
Does Food Truck Insurance Cover My Food Trailer?
A food trailer endorsement on your 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 may leave your business exposed to these types of claims without this endorsement.
Let's Talk About Numbers for Food Truck Liability Insurance
Aggregate Limit: $2,000,000
Protects your business from the cost of third-party bodily injury and property claims. This includes if someone claims to have gotten sick from the food they purchased from you. This is also how you protect your business from third-party claims that arise from your business operations.
Aggregate Limit: $2,000,000
With food businesses, there is always a risk of food poisoning. Product liability insurance can protect you from the cost of someone suing you due to a foodborne illness or unlabeled allergen. This coverage is included in your FLIP policy.
Tools and Equipment
Aggregate Limit: $10,000
If one of your fryers is damaged or stolen you could be looking at thousands of dollars to replace it along with any downtime it takes to get your business back up and running. Tools and equipment insurance for food trucks can help mitigate or even eliminate that out-of-pocket cost.
Damage to Premises Rented
Aggregate Limit: $300,000
Great to include on your policy if you are renting a spot at a farmers market, a food truck rally, or anywhere in between. This insurance protects your rented space in case of damage to it. Some organizers might even require you to have insurance and to add them as an additional insured in order to protect them as well.
Coverage Details Limits
General Liability Aggregate Limit
Products – Completed Operations Aggregate Limit
Personal and Advertising Injury Limit
General Each Occurrence Limit
Damage to Premises Rented to You Limit (Any One Premises)
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
Medical Expense Limit
Insurance for Food Trucks
If you’re looking for food trailer insurance that protects your business, trailer, and assets all in one place, you have the option of extending your liability coverage while you are parked with our trailer coverage.
How Food Truck Insurance Saves Money
Purchasing food truck insurance could actually save you money. Without insurance, you could be held liable to pay thousands of dollars out of pocket due to unpredictable claims. Purchase food truck insurance today and protect not only your business but your wallet, too!
Why Food Trucks Choose FLIP
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Learn More About Food Truck Insurance
Have Questions? We're On It.
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 from your food or if somebody trips and falls over a piece of your equipment and is injured, you could be held responsible.
Claims from 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.
An additional insured, sometimes called a certificate holder (COI), is either a landlord or event organizer who requires protection from your liability. Adding them to your insurance policy extends protection from your liability to them.
If you run your food truck at a food truck hub or farmers market, the location owner/organizer could request to be listed as an additional insured. This will help protect them in case of an incident regarding your food truck at their event.
With a FLIP policy, you receive free and unlimited additional insureds, and you can add as many as you need in minutes through your FLIP online portal.
Food trucks face a unique set of risks, meaning there is a chance for your business to cause harm to people or for other people to cause harm to you. Some risks are more common than others, but can include:
- A customer or bystander getting hurt on your equipment or by your food truck.
- An individual stealing or damaging your business equipment.
- A customer getting a foodborne illness from the food they purchased at your truck.
- A fire or other disaster destroys the equipment in your truck.
- A disgruntled customer sues you for breach of contract for an accident that occurred at a catered event.
- A cybercriminal hacking your business account and stealing your information.
Food truck general liability insurance can give you the peace of mind that you need.
No, it does not. FLIP does not provide food truck businesses with a commercial auto policy at this time.