Food truck owners and operators make important investments in their businesses and should be sure they have proper coverage to protect them.
Here’s what you need to know:
- Because a food truck is operated as a motor vehicle, it’s important to ensure that the truck has a Business Auto policy to cover the vehicle and the business for operations while driving.
- If the truck has a grill or fryer on board, it must also have a Class K fire extinguisher. Almost any type of food truck is eligible for coverage. Smokers and wood-fired cooking can pose insurance exceptions.
- If you are looking to secure coverage for your food truck or are considering opening one, know that standalone food trucks must be in operation at least 9 months of the year.
- If your food truck is part of your restaurant, there are policies that will cover liability as a restaurant while the food truck is parked and operating for business.
There are certain insurance companies that will specialize in Food Truck Insurance and here at King Insurance & Financial Services, we have just that.
Looking for more information on Food Truck Insurance, give us a call at 440-243-5555.