Food trucks are exploding in popularity across the country. Even established chefs are taking their kitchens on the road. However, this unique business model also has unique insurance needs since insurers consider them both a restaurant and a vehicle. Below are a few types of business insurance every food truck owner needs.

What Kind of Insurance Do Food Trucks Need?

1. Commercial Vehicle Coverage

If your food truck moves under its own power, you’ll need liability coverage to protect other drivers if you cause an accident. Collision and comprehensive insurance, which covers losses from fire, storms, and theft, are also crucial for protecting your investment.

2. Business Property Insurance

Commercial vehicle insurance covers the truck itself but usually won’t pay to repair or replace ovens, stoves, and other installed equipment. For that, you’ll need business property insurance, which will protect your food truck from fire, theft, natural disasters, and vandalism.

3. General Liability Protection

Every business insurance policy should include general liability coverage, which shields you from potentially devastating lawsuits. If a customer gets sick or injured in an accident, your liability insurance will pay for their damages as well as the costs of your legal defense.

4. Workers’ Compensation Insurance

Most states require employers to participate in some type of workers’ compensation program to protect employees injured on the job. For food trucks, whose employees are exposed to the risks of the road and the dangers of a commercial kitchen, workers’ compensation is a must.

If you run a food truck in Montgomery or Warren counties, trust Patton Insurance Group in Springboro, OH, to protect the value of your investment. Their business insurance agents have over a decade of experience helping entrepreneurs throughout the area minimize risks with policies tailored to their unique needs. Visit their website for a look at their business insurance options, follow them on Facebook for updates and news, or call (937) 886-9966 to request a free quote today.