Mobile Operations Expertise
Specialized understanding of mobile food service operations with coverage designed for the unique challenges of moving between locations and events.
Food Spoilage Coverage
Critical protection against food spoilage due to equipment failure, power outages, or refrigeration breakdowns that can devastate mobile food operations.
Equipment Breakdown
Comprehensive equipment breakdown coverage for mobile kitchen equipment, generators, refrigeration systems, and cooking equipment critical to food truck operations.
Optional Liquor Liability
Liquor liability coverage available for food trucks and mobile vendors that serve alcoholic beverages at events, festivals, and special occasions.
Why Food Trucks Need Specialized Coverage
Standard restaurant insurance doesn't address the unique risks of mobile food operations, leaving food trucks exposed to mobile-specific hazards and equipment failures.
Standard Restaurant Insurance
- No mobile operations coverage
- Limited food spoilage protection
- Basic equipment breakdown
- No travel/transport coverage
- Fixed location focus only
- Complex policy language
Our Food Truck Coverage
- Mobile operations fully covered
- Comprehensive food spoilage protection
- Mobile equipment breakdown coverage
- Travel and transport protection
- Multi-location operation coverage
- Simplified policy format
Food Truck Insurance Complete Guide
What is Food Truck Insurance?
Food truck insurance provides specialized coverage for mobile food service operations, including general liability, food spoilage protection, equipment breakdown coverage, and mobile operation capabilities that address the unique risks of operating a mobile food business.
Why Do Food Trucks Need Specialized Coverage?
- Mobile Equipment Risks: Cooking equipment, refrigeration, and generators face constant movement and vibration
- Food Spoilage Exposure: Mobile operations are more vulnerable to power failures and equipment breakdowns
- Multi-Location Operations: Operating at different venues, events, and locations creates varied liability exposures
- Transportation Risks: Moving equipment and inventory between locations increases damage potential
- Event Liability: Serving at festivals, markets, and private events creates additional liability exposures
Who Needs Food Truck Insurance?
- Food Trucks: Mobile restaurants serving prepared foods from trucks or trailers
- Catering Trucks: Mobile catering operations serving events and corporate functions
- Ice Cream Trucks: Mobile dessert and frozen treat vendors
- Coffee Trucks: Mobile coffee and beverage service operations
- Mobile Food Vendors: Cart and trailer-based food service operations
- Event Food Services: Mobile operations serving festivals, markets, and special events
Coverage Features and Limits
Our food truck coverage includes $1M/$3M Business Liability limits with mobile operations capability. The policy includes comprehensive food spoilage coverage protecting against equipment failure and power outages, equipment breakdown coverage for mobile kitchen equipment, and optional liquor liability for operations serving alcoholic beverages.
Food Spoilage Protection
Critical coverage for food spoilage due to refrigeration failure, power outages, equipment breakdown, or contamination. Mobile food operations are particularly vulnerable to spoilage due to their reliance on mobile refrigeration and power systems, making this coverage essential for food truck operations.
Equipment Breakdown Coverage
Specialized protection for mobile kitchen equipment including generators, refrigeration units, cooking equipment, and food preparation machinery. Mobile equipment faces unique stresses from constant movement, vibration, and varying power conditions that can lead to breakdowns.
Berkshire Hathaway Backing
Our coverage is backed by Berkshire Hathaway, providing exceptional financial stability and claims-paying ability. This ensures your food truck operation has reliable protection with industry-leading financial strength behind your policy.
Geographic Coverage and Requirements
Available in 24 states with ongoing expansion. Our food service expertise and simplified policy format make it easy for food truck operators to understand their coverage while ensuring comprehensive protection for mobile food operations across multiple jurisdictions.