Common Claims Covered by Food Truck Business Insurance Policies
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Operating a food truck is exciting, but it comes with unique risks—from vehicle accidents to foodborne illness claims. Understanding the types of claims typically covered by food truck insurance helps owners plan for protection and minimize financial losses.
This guide outlines common claims covered by food truck insurance policies and shows how Wexford Insurance can ensure your business is properly protected.
1. Vehicle and Auto Accidents
Your food truck is both a commercial vehicle and a mobile kitchen. Common claims include:
Collisions with other vehicles
Damage to third-party property
Injuries to passengers or other drivers
Commercial auto insurance covers repair costs, liability claims, and legal defense associated with accidents.
2. Customer Injuries and General Liability Claims
Food trucks often serve customers in busy areas, creating the potential for:
Slip-and-fall injuries near the truck
Burns or cuts from hot surfaces or equipment
Damage to customer property
General liability insurance helps cover medical costs, legal defense, and settlement expenses.
3. Foodborne Illness or Product Liability Claims
Even with strict food safety practices, customers can experience foodborne illnesses or allergic reactions. Product liability coverage protects against:
Medical expenses for affected customers
Legal defense and settlements
Claims related to contaminated or improperly prepared food
4. Employee Injuries
If your food truck employs staff, workers’ compensation insurance covers:
Medical treatment for on-the-job injuries
Lost wages while employees recover
Legal claims from injured workers
Check Out workers’ compensation basics at the U.S. Department of Labor
5. Theft, Vandalism, and Equipment Damage
Food trucks carry expensive equipment and supplies. Covered claims often include:
Theft of tools, appliances, or inventory
Fire or accidental damage to equipment
Vandalism or property damage
Equipment and property coverage reimburses repair or replacement costs, helping you get back to business quickly.
6. Optional Claims Coverage
Depending on your policy and venue requirements, additional claims may include:
Business interruption from truck breakdown or accident
Liquor liability claims if serving alcohol
Liability for offsite events or festivals requiring additional insured coverage
How Wexford Insurance Protects Food Truck Businesses
Wexford Insurance specializes in mobile food vendor insurance, helping food truck owners:
Identify risks specific to their truck and menu
Bundle policies for comprehensive protection
Access multiple top-rated carriers for competitive pricing
Get fast, tailored insurance quotes
Conclusion
Food truck businesses face a variety of potential claims, from vehicle accidents and customer injuries to foodborne illness and equipment loss. Proper insurance coverage—including general liability, commercial auto, product liability, workers’ compensation, and equipment coverage—is essential to protect your mobile business.
Partnering with Wexford Insurance ensures food truck owners receive expert guidance, tailored policies, and fast quotes, so you can focus on running your business and serving customers safely.
