Food Truck Insurance
Purchase insurance for your food truck in 10 minutes or less.
Benefits of Food Truck Insurance
How Food Truck Insurance Can Protect Your Unique Business
Trailer Coverage
If your catering rig is a trailer, no worries! We provide coverage for your food catering trailer.
Free, Unlimited Additional Insureds
Free, unlimited additional insureds extends your concession truck insurance policy to any place you serve food at.
Affordable Coverage
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 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 insurance 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
Coverage Details:
General Liability
Aggregate Limit: $2M
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 who you protect your business from third party claims that arise from your business operations.
Product Liability
Aggregate Limit: $2M
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 allergy. This coverage is included in your FLIP policy.
Tools & Equipment
Aggregate Limit: $10K
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: $300K
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
$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
Insurance for Food Trucks
Odds are you’re looking for food trailer insurance, that allows you to protect your business, trailer, and assets all in one place. With our trailer coverage, you have the option of extending your liability coverage while you are parked.
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. For example, if you have an ice cream truck, ice cream truck insurance can help mitigate or even eliminate the cost of claims.
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, 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 injuring themselves on your equipment or getting hurt “on premises.”
- An individual stealing or damaging your business equipment.
- A customer getting a food-borne 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.
General liability insurance for food trucks 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.
