A trip to a food truck is always fun. Since there are food trucks, or at least a dozen of them, on every corner of any significant city or urban area, including relatively smaller ones, it appears that we all do. Due to the nature of their industry, food truck owners face a special set of difficulties. Naturally, part of this entails ensuring that they are covered by the appropriate commercial insurance plan.
Owners of food trucks face a variety of difficulties, though. Different states, counties, and cities may have different regulations that include licenses, permits, and other requirements. They can go where their customers are instead of relying on them to come to a specific location.
They don’t have to pay to rent or buy a building, but they still need a vehicle, a way to keep their clientele steady while they’re moving around, and so on. Another problem arises when brick and mortar restaurant owners who do cover those expenses and are rooted in one location don’t want you to go there. Since the restaurant and food service industries can have significant influence on local legislators, they are frequently lobbied against in these situations.
Despite all of this, finding a commercial auto policy for food trucks still poses a unique challenge. Simply put, food trucks won’t be well-covered by a standard commercial vehicle insurance plan. In a typical commercial vehicle, you aren’t deep-frying food in puddles of scalding hot oil, are you?
Electrical equipment, the individuals who are cooking behind the counter, the problem of serving food to customers and disposing of waste, and so forth are all factors. Finding a commercial policy that has been created specifically with this in mind is crucial because there is so much to sort through.
Don’t accept a less comprehensive insurance plan, even if an insurance representative tells you that you can get by with a commercial policy for a refrigerated vehicle. Considering that this is a rapidly evolving and changing area, make sure to also keep in mind any changes to the local laws and regulations where you live and work.
The good news is that, if you own a food truck, you have an increasing range of options at your disposal. Make sure you have commercial food truck insurance that meets all of your needs and a provider who is aware of the particular difficulties you will encounter running this kind of business to ensure that you are as completely protected as you can be for both your company and yourself.