Starting a food truck requires a substantial investment of both time and capital, and it’s important to protect that investment. Food truck insurance may help food trucks in Massachusetts shield themselves from a variety of risks.
Food truck insurance offers tailored protections for food trucks and similar businesses. Policies may offer a combination of property, liability, and auto protections.
Most mobile food businesses in Massachusetts ought to have food cart insurance. Policies are usually able to insure food carts, food trucks, and similar businesses. The following are some examples of businesses that frequently purchase these policies:
Food cart policies can come with a variety of coverages. Some examples include:
The specific coverages that a mobile food business needs are highly dependent upon its situation. A non-vehicle food cart likely doesn’t need commercial vehicle coverage, and a truck that’s parked in one location may not require inland marine coverage. Liquor liability is usually required if serving alcohol, but unneeded if not.
An insurance agent specializing in food cart insurance policies will be able to evaluate the specific coverage needs of a mobile food business.
Massachusetts generally requires that businesses operating in the state maintain workers compensation insurance if they have employees. This insurance normally provides protection should an employee sustain a workplace injury.
Food trucks that have at least one employee probably need workers compensation. Self-employed owners who have a one-person food truck or food cart might be able to forgo this coverage.
Before going to a fair, festival, or other special event, food trucks should first make sure their insurance adequately covers them during the event.
Many policies won’t require changes for local events, but sometimes changes are needed because of an event’s location or policy’s particulars. For example, food trucks might consider amending their policies with the following:
A knowledgeable insurance agent can review a policy, and explain what changes might be required or wise.
The cost of insuring a food truck can vary substantially. Insurance companies commonly look at the vehicle used, food and beverages served, annual sales, past claims history, chosen protections, and many other details.
An easy way to get custom quotes is to work with an independent insurance agent. Independent agents aren’t obligated to promote any one insurer, but can show policy options from several insurers.
For help insuring a food truck or food cart, contact the independent insurance agents of Garrity Insurance. Our Massachusetts agents will work closely with you to determine coverage needs, and then help you find the best food truck insurance solution based on those needs.