Food Truck Insurance Coverage

Food truck operators face unique challenges every day. From mobile kitchen hazards to event liability, Harper Insurance understands the complex risks that food truck businesses encounter while serving customers, operating mobile equipment, and maintaining food safety standards at various locations.

Our comprehensive food truck insurance policies are specifically designed for companies involved in mobile food service, event catering, and street food operations. Whether you operate a single food truck or manage a mobile food fleet, we provide tailored coverage solutions that protect your equipment, employees, and business operations.

Essential Food Truck Insurance Types

Commercial Auto Insurance

Comprehensive coverage for your food truck vehicle including liability protection, collision coverage, and specialized equipment protection for mobile kitchens, generators, and food service equipment.

General Liability Insurance

Protects against customer injuries, food poisoning claims, and property damage occurring during food service operations. Essential coverage for slip-and-fall incidents, customer accidents, and third-party injury claims.

Product Liability Insurance

Critical protection against foodborne illness claims, allergic reaction incidents, and contamination allegations. Covers legal defense costs and settlements arising from food safety issues and product defects.

Commercial Property Insurance

Covers mobile kitchen equipment, food inventory, cooking appliances, and business personal property. Includes protection for generators, refrigeration units, and specialized food service equipment against theft and damage.

Workers' Compensation Insurance

Mandatory coverage for employee injuries in mobile kitchen environments. Covers medical expenses and lost wages for injuries from burns, cuts, equipment operation, and confined workspace accidents.

Equipment Breakdown Insurance

Specialized coverage for refrigeration systems, generators, cooking equipment, and mobile kitchen appliances. Essential for maintaining food safety and operational continuity when equipment fails.

Business Interruption Insurance

Replaces lost income when covered property damage prevents food truck operations. Helps maintain cash flow during equipment repairs, vehicle restoration, or health department shutdowns.

Commercial Crime Insurance

Protection against theft of cash registers, equipment, food inventory, and business property. Essential for mobile operations with limited physical security and cash transaction exposure.

Food Service Types We Cover

Gourmet Food Trucks
Specialized coverage for upscale mobile dining including high-value equipment protection, chef liability coverage, and enhanced product liability for specialty cuisine operations.

Event & Festival Catering
Comprehensive protection for event-based food service including vendor liability, event cancellation coverage, and equipment transport protection for festival and special event operations.

Corporate Catering Services
Enhanced coverage for business catering including professional liability, delivery service protection, and specialized equipment coverage for corporate event food service.

Ice Cream & Dessert Trucks
Specialized protection for frozen food operations including refrigeration breakdown coverage, product spoilage protection, and enhanced equipment coverage for specialty dessert service.

Coffee & Beverage Trucks
Coverage for mobile coffee and beverage service including espresso equipment protection, burn injury liability, and specialized equipment breakdown coverage for brewing systems.

Franchise Food Operations
Tailored coverage meeting franchise requirements including brand protection, standardized coverage limits, and franchise-specific liability and property protections.

Food Truck Risk Factors

Food Safety & Health Risks
Foodborne illness claims, contamination incidents, allergic reactions, and health department violations that can result in lawsuits, closures, and reputation damage to your business.

Mobile Kitchen Hazards
Burns from cooking equipment, cuts from food preparation, propane system accidents, and confined workspace injuries common in mobile food service environments.

Vehicle & Transportation Risks
Food truck accidents, equipment damage during transport, breakdown in remote locations, and vehicle-related incidents affecting both operations and customer safety.

Customer Safety Exposures
Slip-and-fall accidents around the truck, hot liquid spills, customer burns from equipment contact, and premises liability in various operating locations.

Equipment & Property Risks
Theft of expensive mobile kitchen equipment, generator failures, refrigeration breakdowns, and equipment damage from weather or vandalism affecting operations.

Regulatory Compliance Issues
Health department violations, permit failures, fire code non-compliance, and operating license issues that can result in fines, citations, and operational shutdowns.

Get Your Food Truck Insurance Quote

Protect your mobile food business with comprehensive coverage designed for your industry. Our experienced agents understand food truck risks and will work with you to build a protection plan that covers your specific operations, equipment, and mobile service exposures.

Key Benefits of Working with Harper:

• Specialized food truck expertise
• Health department compliance guidance
• Mobile equipment coverage solutions
• Expert food safety claims handling
• Coverage for multiple operating locations

Ready to protect your food truck business? Contact Harper Insurance today for a comprehensive quote tailored to your mobile food operations and service requirements.

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