Food Truck Insurance from Massachusetts Specialists

What protections are available through food cart insurance policies?

Food cart insurance policies can provide uniquely tailored protections both through their coverage options and the terms of each coverage. Some coverages that often are available through these policies include:

• General Liability Coverage, which might cover common accidents a food truck business is responsible for
• Commercial Vehicle Coverage, which might cover a food truck itself against accidents and damage
• Commercial Umbrella Coverage, which might provide secondary protection against expensive liability lawsuits
• Commercial Property Coverage, which might cover damage to equipment, inventory and other non-truck assets
• Inland Marine Coverage, which might cover equipment and other assets while they’re being moved between locations

A knowledgeable insurance agent can review coverages’ terms to check the specific protections that each of a policy’s coverages provides.

Do food trucks and food carts need commercial vehicle coverage?

Commercial vehicle coverage is generally used to insure commercially registered vehicles that businesses own. If a business owns a commercially registered vehicle that’s driven on public roads, this coverage is almost certainly needed.

Since most food trucks meet these two requirements, food trucks usually have to include commercial vehicle coverage within their food truck policy. If a truck is driven to different locations, or just to get ingredients, then vehicle coverage is likely required.

Food trucks that remain permanently in one location might not need commercial vehicle coverage, or at least full-fledged coverage. Permanently parked trucks might only use the coverage to protect against damage, but forgo the other protections that the coverage normally includes. These protections could be added on later if a truck has to be moved.

Since food carts aren’t typically classified as commercial vehicles, food carts can often forgo this particular coverage. An experienced insurance agent can help ensure that another coverage still protects against damage to or theft of a cart.

How much are premiums for food truck policies?

Food truck policy premiums vary, as they’re based on a multitude of factors. Some of the details that can impact cost are the:

• Type of truck or cart 
• Location where a truck or cart is stored
• Location where a vendor typically sets up
• Number of customers served annually
• Menu items offered

Even with variance among policies’ premiums, however, insurance tends to be affordable.

How can food trucks in Massachusetts get food truck insurance?

For help insuring a food truck or food cart, contact the independent insurance agents of Roger Keith & Sons Insurance. Our Massachusetts agents can help you compare different food truck insurance policies, and we have the expertise required to help you choose the best one for your truck or cart.