Inland Marine Insurance for Food Trailers

Damaged or stolen gear can be a major roadblock for your food trailer business. Food Liability Insurance Program’s (FLIP’s) inland marine coverage is there to cover the cost of repairing or replacing it so you can get back on the road in no time flat.

What Is Inland Marine Insurance for Food Trailers?

Inland marine insurance is equipment insurance for mobile food businesses. It’s designed to cover rented or owned products, materials, and business equipment you take with you from one location to another. At FLIP, we often refer to this coverage as tools and equipment insurance.

It’s important to note that this coverage is only for mobile gear and inventory. Inland marine won’t cover gear that is permanently installed in a specific location, aside from your food trailer.

For instance, if you use your home kitchen to prep or cook food that you sell from your trailer, inland marine wouldn’t cover damage done to those appliances because they aren’t mobile. Appliances inside your food trailer could be covered, though.

FLIP offers inland marine insurance as an optional add-on coverage, which means it isn’t included in a base food trailer insurance policy. Instead, you can add it to your policy during checkout or at any time afterwards from your user dashboard!

Note: Inland marine insurance cannot be purchased without general liability insurance. If you already have an active general liability policy, you can buy this coverage separately, or you can bundle them together during checkout.

Why Do Food Trailers Need Inland Marine Insurance?

It’s no secret that your gear and inventory are expensive. If it’s damaged or broken, it’s not just costly to repair or replace — it can also cause a major interruption to your business operations and result in lost revenue.

That’s what makes food trailer equipment insurance so essential. If your generator gets stolen or a fire destroys the contents of your trailer, it can cover some or all of the resulting expenses. That’s money you can spend elsewhere, like getting a fancy new trailer wrap or making merch to sell to loyal customers.

What Does Inland Marine Insurance Cover for Food Trailers?

Inland marine insurance for food trailers is designed to cover:

Collision, upset, or overturn of your food trailer

Food spoilage caused by damage or theft of your business equipment

Mobile business equipment

Rented gear and equipment

Supplies and inventory
Trailers (excluding semi-trailers)

How Does Inland Marine Insurance Protect Your Business?

You can receive coverage for your covered equipment, supplies, or inventory if it is stolen or damaged after filing a claim.

The amount of coverage your inland marine policy provides depends on which limits you select. You can choose between two tiers of food trailer equipment insurance from FLIP:

$11.17 per month for $5,000 per item/$10,000 per year

$20.75 per month for $7,500 per item/$25,000 per year

$33.33 per month for $10,000 per item/$50,000 per year

A limit per item is also called an occurrence limit. This is the maximum amount your policy will pay for one single claim. The limit per year is an aggregate limit, meaning it’s the most your policy will pay for all claims in a single policy year.

Common Food Trailer Equipment Claims

Some of the most common food trailer equipment claims we get at FLIP are:

Generator theft
Fire damage

Here are two examples of real claims we’ve covered for FLIP policyholders.

Claim #1

A BBQ food trailer’s smoker caught fire, destroying the smoker and seriously damaging the inside of the food trailer. The total to replace the smoker and repair the smoke damage was $3,728.

Claim #2

One policyholder’s trailer was broken into, and the thieves stole both of their generators, valued at $5,280.

Why Choose FLIP for Food Trailer Inland Marine Coverage?

Your inland marine coverage from FLIP comes with a heaping side of benefits. Check them out!

Affordable

Enjoy the most cost-effective tools and equipment coverage in the food and beverage industry.

Easy to Bundle

Add tools and equipment coverage to your existing food trailer insurance policy or buy them together at checkout.

100% Online

From your application to your Certificate of Insurance (COI), everything you need to manage your coverage is entirely online.

Customizable

Include other add-on coverages like workers compensation and cyber liability insurance to create the perfect personalized policy.

FAQs About Food Trailer Equipment Insurance

How Can I Add Inland Marine Insurance for Food Trailers to My FLIP Policy?

If you already have food trailer general liability insurance, you can easily add tools and equipment coverage to your policy in just four steps:

Log in to your online dashboard
Go to “Manage Policies” and then “Change Policy Options”
Navigate to the inland marine section and choose the limits you want
Select “Purchase Policy” at the bottom of the page

Is Inland Marine the Same as Cargo Insurance?

No, inland marine is not the same as cargo insurance. Both are types of property coverage, but cargo insurance is designed to cover the value of goods being transported (usually for a trucking operation).

Inland marine extends beyond that to include coverage for property essential to business operations.

How Is Inland Marine Different From General Liability?

General liability insurance is designed to cover injuries to another person or damages to their property caused by your food trailer business. These are also known as third-party bodily injury and property damage claims.

Inland marine insurance doesn’t cover these claims and only covers repairs and replacements for your business gear and inventory when damaged by a covered event. Because general liability won’t cover equipment claims, mobile food businesses have both policies to protect themselves from both types of risks.

What Kind of Insurance Do I Need for a Food Trailer?

Food trailer businesses need the following types of coverage to properly protect against risks:

Many food trailer operations need more coverage, so FLIP makes it easy to customize your policy with add-ons like: