Food Truck Insurance

Starting a food truck business? We’ve got you covered! Ensure you and your mobile food truck business have adequate coverage with our food truck insurance package. Apply online for a free quote today.

Food Truck Insurance

Starting a food truck business? We’ve got you covered! Ensure you and your mobile food truck business have adequate coverage with our food truck insurance package. Apply online for a free quote today.

What's included in Food Truck Insurance?

When it comes to insuring your food truck, liability coverage is a top priority. This package policy can also be used as food trailer insurance or food cart insurance. Applicable if your food cart is towed to a location by vehicle, or is wheeled manually. Commercial General Liability (CGL) provides public liability (PL), third party property damage (PD), and cross liability (amongst other coverages) to you and your business. Typical limits for a food truck liability insurance policy range from $2,000,000 – as is the minimum required limit in the City of Vancouver – to $5,000,000 for a more extended coverage. Commercial automobile liability is not included in this package and should be purchased for your truck while driving on the road. Specifics about auto liability may differ pending which province you are located in (eg. ICBC in British Columbia).

Another important aspect of food truck / food cart insurance is your property (reffered to as Business or Commercial Property). Your food truck itself should be covered along with your auto insurance package. But, how about the equipment you use on a daily basis including generators, cooking appliances, gas tanks, fridges, etc. Our food truck insurance program enables you to include all of your equipment related to business in one place.

Coverage at a Glance

Liability

Your Liability

Commercial General Liability (CGL) for your business operations in the event you are held liable for third party property damage or bodily injury.

Food Truck Equipment

Your Equipment

Property coverage for your cooking or food production equipment such as: deep fryers, stoves, generators, slow cookers, and more.

Why do I need insurance for my food truck operations?

Let’s face it, you’re probably here because somebody told you to purchase insurance for your business. Whether it was an online article, a friend’s recommendation, or your local municipality has insurance requirements in their vending permit approval process – you’ve decided you need insurance. For example, in the City of Vancouver, one of the application documents needed for a mobile / roaming food vending permit is a valid liability insurance certificate (you can check out a sample of this here). Not only will you receive this confirmation document to provide to any licensing authorities; but don’t forget, as mentioned above we can also cover off your business equipment which could put you out of business if stolen or destroyed by an insured peril.

Damages arising from liability claims can be quite costly. We’ll arrange a policy that shields you and your company from not only bodily injury and property damage claims, but the expenses of out-of-court settlements, litigation, and judgments awarded by the courts as well. If damages are filed against your organization or you are sued, our reliable insurers will cover the costs for investigation, attorney expenses, and medical expenses in the case of injury.

How much does Food Truck Insurance cost?

The cost of your food truck insurance policy will depend on application variables which include what type of food vending you are doing, what your annual revenues are, the number of employees, deductibles, specified coverages, and the limit of liability requested. We are able to offer insurance terms with premiums as low as $550 for annual coverage.

Please note that completing our application for insurance does not cost anything or require you to proceed with the coverage once a quote is provided – customer service is our first priority.