There are over 70,000 mobile food businesses in the U.S. today, and yours has a flavor all its own. While menus may vary, food trucks have specific insurance needs. Most owners choose a combination of coverage that helps them handle the high costs of everything from fajita fires to injured patrons who decide to lawyer up. We believe in your business and want to help you protect it, so here's a quick guide to the coverages most food truck vendors choose.
Mobile food services face industry-specific risks that require customized insurance coverage.
A Business Owner’s Policy for food trucks saves you money by bundling general liability, property insurance and product liability.
General liability insurance covers injuries and damages caused by your business, as well as advertising-related claims.
Food truck property insurance helps you replace or repair damaged cooking equipment, inventory and signage.
Workers’ compensation for food truck employees is required by most states and covers staff injuries and lost wages.
Commercial auto helps you pay for damages or injuries caused by your food truck when it's on the road.
Inland marine insurance covers mobile equipment and tools that aren't attached to your food truck.
Commercial umbrella insurance provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value.
Here are five essential coverages every food truck operator should consider to stay protected and profitable:
A Business Owner’s Policy (BOP) is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing mobile food businesses. Your BOP typically includes:
GENERAL LIABILITY FOR MOBILE FOOD VENDORS Covers legal and medical costs if a customer or other visitor is injured – or their property is damaged – while they're at your truck. It also protects you from advertising-related claims. Examples:
FOOD TRUCK PROPERTY INSURANCE Covers kitchen equipment, signage and inventory if disasters like fire, theft or vandalism strike. Examples:
PRODUCT LIABILITY INSURANCE (also called food liability) Covers legal costs when your customers claim your food made them sick or caused an allergic reaction.
BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.
If you have employees, most states require workers' compensation. It covers medical care and lost wages for your team members injured on the job – and shields you from most employee lawsuits. Examples:
If you drive your food truck to events, most states require you to cover it with commercial auto insurance.
Covers mobile equipment that isn't permanently attached to your truck while it's being transported to events on the road or mobile equipment stored temporarily outside of your truck, such as in a warehouse.
Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection if other key policies like general liability or commercial auto reach their limits, which helps you protect your company's financial assets.
Every mobile food business is different. We’re fans of yours and here to help you protect it. Mylo has been innovating insurance for ten years. We know how to connect people and businesses to the right coverage. coverage they need. Because we don’t sell our own insurance, we can give you an objective recommendation.
At no charge to you, we will: