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Mobile Food Truck Insurance

New York Mobile Food Truck Insurance

As a food truck owner, you are at the forefront of a booming industry.  Your mobile restaurant has many unique exposures that must be addressed to ensure the success of your business.  Your foot truck business is at risk from many different types of exposures including damage to the truck itself, lawsuits arising out of the sale of your food, and the added risk of driving your food truck to and from events, venues, and your prep kitchen.  Also, you are probably already aware that towns, cities, farmers markets and other venues will require you to show proof of food truck insurance just to be able to set up shop!  In fact, most venues, especially government organizations like towns and cities, will require that you carry at least $1,000,000 in General Liability Insurance coverage.

No matter the size or type of your food truck, the risks remain the same.  Here at the Smith Insurance Agency, we have experience insuring a variety of food trucks from hot dog carts, to brick oven operations, to gourmet vegan food trucks and everything in between!  Here are a few important coverages that you should consider for your Rochester NY Food Truck Insurance:

General Liability Insurance – This coverage will protect your business if you are liability for bodily injury or property damage that are not auto related.  This could be anything from slip and falls around your truck, to food sickness and allergies.

Auto Liability – Your food truck is exceptionally heavy due to the extra equipment that you have installed.  This liability coverage will protect you if you are at fault in an auto accident and cause bodily injury or property damage.

Auto Physical Damage – Just like your personal car insurance, this coverage will pay to fix or replace your vehicle if you are in an accident or it is damaged by thins like fire, vandals, etc. These claims can be especially expensive for a food truck as you have likely paid thousands of dollars to wrap the food truck with your branding and logo!

Property Coverage – Are you covering your equipment in your truck?  What about the inventory that you have?  Make sure that your belongings are fully covered.  You will also want to make sure that you have spoilage coverage for your food!

Coverage for your Prep Kitchen – Here in New York State, you are required to use an approved commercial prep kitchen.  Make sure that you coverage extends to that location to ensure that your property is covered there!  This may also be required by your landlord if you are renting the kitchen space.

Of course, the best way to get started with New York Food Truck Insurance, is to call our office in Rochester NY.  We will have one of our qualified agents walk you through the coverage options and help put together a protection plan that fits you and your Rochester NY Food Truck Business!