Why Your Food Truck Needs Business Insurance Before Hitting the Road
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Operating a food truck is exciting and rewarding, but it comes with unique risks. From vehicle accidents and kitchen fires to food-related illnesses and customer injuries, one claim could cost your business thousands.
That’s why food truck business insurance is essential before you hit the road. This guide explains the key reasons insurance protects your mobile business and how Wexford Insurance helps food truck owners get coverage fast.
1. Protect Against Accidents and Vehicle Damage
Your food truck is both a vehicle and a business location. Commercial auto insurance protects against:
Vehicle collisions while driving to or from events
Damage to your truck or third-party property
Injuries caused to others in an accident
Without proper coverage, an accident could result in significant out-of-pocket expenses.
2. Cover Customer Injuries and Liability
Food trucks serve customers in busy, sometimes crowded environments. General liability insurance covers claims like:
Slip-and-fall injuries near your truck
Burns or injuries caused by hot surfaces or equipment
Damage to client property during service
General liability is often required for permits, events, and commissary use.
3. Protect Against Food-Related Claims
Foodborne illnesses or allergic reactions can happen even with strict food safety protocols. Product liability insurance helps cover:
Medical expenses if a customer becomes ill
Legal defense and settlement costs
Claims arising from contaminated or improperly prepared food
4. Protect Your Employees
If your food truck has employees, workers’ compensation insurance is usually required by law. Coverage provides:
Medical expenses for work-related injuries
Lost wages during recovery
Legal protection if employees file claims
Check Out workers’ compensation basics at the U.S. Department of Labor
5. Cover Equipment and Inventory
Food trucks carry expensive kitchen appliances, tools, and inventory. Equipment and property coverage protects against:
Theft or vandalism
Fire or accidental damage
Breakdown of refrigeration or cooking equipment
Why Wexford Insurance Is the Right Choice
Wexford Insurance specializes in mobile food vendor insurance, helping food truck owners:
Identify essential coverage for their operations
Bundle multiple policies to reduce costs
Get fast, tailored quotes for vehicles, liability, and equipment
Access multiple carriers for competitive pricing
Conclusion
Before hitting the road, your food truck needs insurance to protect against accidents, foodborne illness claims, employee injuries, and equipment loss. Insurance ensures your mobile business can operate safely and legally, giving you peace of mind and financial protection.
Partnering with Wexford Insurance provides food truck owners with expert guidance, tailored coverage, and fast quotes—so you can focus on growing your business and serving your customers.
