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What is food truck insurance?

Running a food truck is a blast, isn’t it? You’re out there whipping up tasty meals, meeting new people, and taking your kitchen on the road. But as fun as it is, it’s still a business, and like any business, things can go wrong. That’s where food truck insurance comes in. Think of food truck insurance as your safety net. It’s a package of policies designed to protect your rolling restaurant from all the unexpected perils that can pop up – from fender benders to equipment breakdown to liability claims. You don’t want one accident or mishap to be the end of your dream, right? That’s why having food truck insurance is so important.

What food truck insurance includes

Here is what a typical food truck insurance package includes:

Recommended add-ons for food truck insurance coverage

You’ve got the basics, but sometimes it’s worth a little extra protection. Here are some add-ons you might want to think about adding to your food truck insurance policy:

These add-ons may not be for everyone, but they are relevant selections for many food truck owners in Canada. For a full range of potential coverages, speak to the insurance provider who quotes you the price of your policy.

Common types of food truck insurance claims

No one likes to think about worst-case scenarios, but it’s good to be prepared. Here are some of the most common claims food truck owners deal with:

How much does food truck insurance cost?

The cost of food truck insurance can be all over the map – anywhere from $2,000 to $5,000 a year, depending on what you need. Factors like where you’re located, the value of your truck, and your coverage choices all play a role. It might seem expensive, but food truck insurance can save you from facing crippling expenses in the right situation.

How to get the cheapest food truck insurance rates

Want to save a bit of cash? Here are some tips to keep your food truck insurance rates as low as possible:

It’s important to have the coverage you need, but you certainly don’t want to pay more than you need to. Following these steps can help you find the perfect balance – you can get the right coverage without overpaying.

Food truck insurance in Canada: what you need to know

If you’re slinging tacos or serving up poutine, here are a few things to keep in mind when operating your food truck:

Provincial rules: Insurance requirements can be different depending on where you are, so make sure you’re following the rules in your province.

Licensing and permits: Insurance won’t mean much if you’re not operating legally. Double-check that you’ve got all the necessary permits and licences before hitting the road.

Weather woes: We all know Canadian weather can be rough. Make sure you’re prepared for the elements, especially in the winter months. It might be worth adjusting your coverage during the off-season if your truck takes a break.

Your questions about food truck insurance, answered:

 

Are there any specific requirements or documents needed for food truck insurance?

Yes, you may need the following to get a policy:

  • Business licence and registration
  • Details of your food truck and equipment
  • Prior insurance policy details, if any
  • Driving records of all operators

Requirements may vary by insurance provider.

Can I insure multiple food trucks under one policy?

Yes, you can insure multiple food trucks with a single policy. Depending on the number of trucks you’re looking to insure, you may require fleet insurance (5+ vehicles). Insuring multiple assets with the same company can help earn you discounts and will simplify things if you need to make a claim.

Is there a difference between food truck insurance and restaurant insurance?

Absolutely! Food truck insurance is specifically designed to handle the unique challenges and risks that come with running a mobile food business. Unlike restaurant insurance, which is meant for businesses in a fixed location, food truck insurance usually includes commercial auto coverage, something traditional restaurants typically don't need.

What are some things food truck insurance usually doesn’t cover?

Common exclusions can be things like intentional damage, normal wear and tear, or certain natural disasters, such as floods or earthquakes. It’s really important to take a close look at your policy to know what’s not covered and think about getting extra coverage if necessary.