Mobile Food Vans & Food Trucks: Protect your business financially

Insurance for

Mobile Food Vans & Food Trucks

A specialised coverage designed to protect owners from financial losses due to liabilities associated with mobile food service operations, including accidents, property damage, and liability claims.

Why do

Mobile Food Vans & Food Trucks Need Insurance?

Mobile Food Vans and Food Trucks need business insurance to protect against accidents, food-related illnesses, and property damage. It safeguards their investments, covers financial losses, and legal expenses, ensuring they can focus on serving customers worry-free.

Cover Types for

Mobile Food Vans & Food Trucks

These insurance types help mobile food van and food truck owners manage the unique risks associated with running a mobile food business and ensure financial protection for their vehicle, equipment, and staff.

Public Liability Insurance

Essential for food trucks, this covers claims for third-party injuries or property damage that may occur at your mobile location, such as a customer slipping near the truck or food causing harm.

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Business Interruption Insurance

Provides coverage for lost income and ongoing expenses if your food truck’s operations are disrupted due to unforeseen events, such as a mechanical breakdown or equipment failure that prevents you from operating.

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Business Property Insurance

Covers damage or loss of the truck’s contents, including cooking equipment, stock, and appliances, from risks like fire, theft, or vandalism.

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Product Liability Insurance

Protects against claims arising from food sold that may cause illness or injury, such as a customer becoming sick from contaminated or improperly prepared food.

Workers' Compensation Insurance

Required if the business employs staff, this insurance covers medical expenses and lost wages for employees who suffer work-related injuries, such as burns or cuts while working in the truck.

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Commercial Vehicle Insurance

Covers damage to the food truck itself, as well as accidents or collisions while driving, including third-party liability for damages caused to other vehicles or property.

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Stock Insurance

Protects perishable food items and ingredients in the truck from spoilage, contamination, or damage, ensuring that the cost of replacing lost stock is covered.

Scenarios where

Mobile Food Vans & Food Trucks Need Insurance

Imagine a customer visiting your food truck, and due to a wet surface or uneven flooring, they slip and injure themselves. In this scenario, your business insurance, specifically Public Liability coverage, would come into play to cover the customer’s medical expenses and any potential legal fees if they decide to file a lawsuit.

While driving your food truck to a new location, you get involved in a collision with another vehicle, resulting in damage to your food truck and injuries to the other driver. Your Business Vehicle insurance would be essential in covering the repair costs for your food truck and any potential liability claims from the other driver.

Despite rigorous food safety practices, there’s a chance that a customer might fall ill after consuming your food due to unforeseen contamination issues. Product Liability Insurance would be crucial in this situation, covering legal expenses, settlements, and potential damages if a customer decides to sue your business for their illness.

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Mobile Food Van & Food Truck Business Insurance

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