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Food Trucks May Be The Natural Evolution During Pandemic Times




Melbourne, Fla.—At times when ordering food from your favorite food truck may be your best option to eat out your favorite dishes while maintaining social distance more and more restaurant businesses are hoping on the bandwagon offering both options.

Some restaurant owners consider to start their business as food truck because they find it a low-overhead way to get started and then evolve into a full restaurant operation. But getting a food truck off the ground is not inexpensive. Food trucks need to be insured just like your personal vehicles. In fact, in order to have a permit to operate in your city, you may be required to purchase a certain amount of insurance coverage, and Food truck insurance can be more complicated than the commercial auto policy for your other vehicles used for business purposes.

The food truck insurance needs for your business will depend on different factors like:

  • Location

  • The kind of business

  • Type and level of risk of the required equipment to prepare food

A food truck that prepares grilled or fried foods can expect their rate to differ from a truck that sells prepackaged goods. The grills and fryers expose the business to additional risks. Every insurer has its own way of determining how much your food truck insurance costs. Many of the factors they consider are characteristics of your business, such as:

Business location: Frequenting high-crime areas or only working street fairs, for example, can impact your premium.

Business property value: Not only do you have to insure your food truck and any permanently attached equipment, but you may also need coverage for the other items inside the truck.

Employee payroll: Workers’ compensation premiums are based on payroll costs and the types of work that employees perform.

Businesses that commonly need food truck insurance include:

  • Mobile food trucks

  • Lunch trucks

  • Catering trucks

  • Concession trucks

  • Vending trucks

  • Ice cream trucks

In general, food truck owners should anticipate needing several types of coverage. For example, Food truck operators often make the mistake of thinking that their businesses are too small to get sued, but in fact, small businesses take the most heat from litigious clients. Protecting the investment you've made in your business requires a comprehensive food truck insurance policy that protects your business from perils.

The key insurance coverages needed for a food truck operation are Commercial Auto, Business Property, General Liability, and Workers’ Compensation. Covered claims may include slip and fall accidents, illnesses caused by your food product, or equipment loss.

At Melbourne Truck Insurance, we understand the many challenges you and your company needs to deal with on a daily basis. Food Truck and commercial vehicle insurance should not be one of them.

Contact one of our local commercial/truck insurance agents to find out what options are available for your trucking and transportation business in the Palm Bay area, and help you start saving on the protections needed to keep it always afloat. Melbourne Truck Insurance has the products and underwriting experience that meet the insurance needs of your business.


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