What to Know About Catering Truck Insurance
Food trucks have grown in popularity in recent years. Many consumers appreciate the fact tasty food can be delivered to their home or business. If you operate this kind of vehicle, then it is vital to get it insured. It needs to be insured no matter what because it is a vehicle, but if you sell food, then you need to obtain a specialized catering truck insurance policy. When pursuing this, it is vital to keep several points in mind to get the best coverage out there.
Buy From an Experienced Food Truck Insurance Agent
Since food is being sold from the truck, different types of policies are required. That means an operator of a catering truck needs more than simply a standard auto insurance policy. For this reason, it is good to work with an agent who has dealt with catering trucks in the past. Someone who has never done this before may be willing to take on the job but does not understand everything that needs to go into the policy. Experience matters in the insurance world.
Get Every Policy You Need
Owning a company vehicle usually requires the owner, whether it is an individual or company, to have commercial auto insurance. A catering truck requires much more than that, such as:
- Auto Liability Insurance: Vehicle insurance should cover damage caused by collisions and damage caused by fire or other natural disasters. It is also good to acquire uninsured coverage in case you end up in an accident with someone else lacking insurance.
- Commercial Property (Equipment) Insurance: This covers additional property you own outside of the truck. That includes kitchen equipment and any computers you need to operate the day-to-day actions.
- Commercial General Liability Insurance: This insurance protects you in case of property damage or injuries you cause in your food services business.. If the food from your truck makes someone sick, then commercial general liability coverage protects you.
- Workers’ Compensation Insurance: Various employees need to work on a catering truck including the driver and the cooks in the back. You need to ensure employees injured in a vehicle collision or from getting hurt in the kitchen have safeguards in place.
Catering truck insurance technically consists of several different coverages, and they are all essential. Professional brokers will assist you in finding a policy that covers everything you need, so you can operate your business with peace of mind.