08 Jan Bay Area Food Truck Insurance
Bay Area Food Truck Insurance
The Bay Area has several great locations for any Food Truck to prosper. There are many food trucks in the area and we have assisted them with getting proper coverage at an affordable price. What coverages do you need for your Bay Area Food Truck? Keep reading to find out!
Bay Area Food Truck Insurance – General Liability
General Liability is very common, and every food truck should have a policy. However, there are certain things you should look for when purchasing a General Liability policy for a Bay Area Food Truck. One of the most important is Additional Insured Endorsements. Many locations around the Bay Area require Additional Insured endorsements throughout the year and this requirement can be expensive. Many General Liability policies offer a Blanket Additional Insured endorsement, which
allows you to use the endorsement as many times as needed throughout the year. Depending on the location, there are different type of endorsements that may be needed. This makes it especially important to check with a broker ahead of purchasing a General Liability policy.
Bay Area Food Truck Insurance – Commercial Auto
Commercial Auto is important for food trucks for obvious reasons. When working in the Bay Area, it is critical you have enough coverage. This is so important because the Bay Area has a lot of expensive vehicles on the road and claims can be enormous. We recommend that Bay Area Food Trucks carry AT LEAST $1,000,000 Combined Single Limit liability coverage. Increasing your limits to $1,000,000 is usually not very expensive, and it can save your business if a large claim occurs.
Bay Area Food Truck Insurance – Important Coverages
There are several other important coverages to consider for your Bay Area Food Truck business. If you have employees, you need to carry a Workers Comp policy in case they get injured or sick. You should consider adding equipment coverage to your Commercial Auto to cover all the equipment your business relies on to prepare food. Also, depending on your operations, you should endorse your General Liability policy to include coverage for food spoilage and utility disruption.
There are many coverages to consider for your Bay Area Food Truck. If you would like to learn more about coverage for your business, give us a ring!
You can reach our Bay Area Food Truck specialist at 925-297-4829.
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.