Food Trucks

Food Trucks

The food truck scene across the inland Carolinas is booming. From Charlotte breweries and Greenville food parks to weekend festivals in the Triad area, mobile kitchens are everywhere. The low startup cost and built-in flexibility make food trucks an attractive business model, but that mobility also creates insurance challenges that a standard restaurant policy cannot address. Cornerstone Insurance provides food truck coverage that includes general liability, commercial auto, umbrella protection, and a range of add-ons built for this industry.

General Liability protects your food truck business when a claim is filed against you. That could mean a customer who gets sick, someone who trips over your serving window step, or property damage at a venue. Many event organizers and property owners along the I-85 corridor will not let you set up without proof of general liability coverage in hand. Additional features like food contamination coverage can be built into the policy.

Automobile Insurance covers the truck itself. This might seem straightforward, but your food truck has to be listed on a commercial auto policy, not a personal one. You can customize the policy to include the value of your installed kitchen equipment, cooking systems, and custom buildout. Collision, comprehensive, and roadside towing coverage are all available options.

Umbrella Coverage extends your liability protection beyond the limits on your general liability and commercial auto policies. Because your business operates in a different location every day, sometimes multiple locations in a single week, the exposure adds up quickly. An umbrella policy keeps one costly claim from putting your livelihood at risk.

Operating a food truck means dealing with a constant stream of certificate requests. Venue owners, commissary kitchens, festival organizers, and farmers market coordinators across the Piedmont region all want to see proof of insurance before you park. Certain policy options allow you to add an unlimited number of additional insureds, which makes issuing those certificates fast and painless. Pay close attention to the liability limits on both your auto and general liability policies, because most venue contracts specify minimums for each. Food spoilage coverage is another smart addition. If a refrigeration failure or a power outage destroys your inventory, this coverage helps you recover the loss instead of eating it.

Types of Insurance Needed:

• Property (Hazard & Fire) Insurance
• Liability Insurance
• Auto Liability Insurance
• Auto Physical Damage Insurance
• Loss of Income Insurance
• Terrorism Insurance
• Umbrella Insurance
• Worker’s Compensation Insurance

Food truck coverage is part of our broader food service insurance offerings. Contact us to get a quote tailored to your mobile kitchen.

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