Food Truck Insurance in Texas
Also providing insurance to residents in Colorado, Kansas, New Mexico, and Oklahoma
What is food truck insurance?
Operating a food truck requires a not-insignificant investment of capital and time, and such investments should be protected when possible. Food truck insurance can help operators in Texas protect their businesses against a variety of risks.
Food trucks are similar to restaurants in some ways, and to commercial vehicles in other ways. Food truck insurance may provide a variety of restaurant and vehicle protections for these businesses.
What businesses in Texas is food cart insurance for?
Food cart insurance is something that most mobile food businesses should have. Food trucks, food carts, and similar businesses in Texas might all get this insurance. For example, policies are regularly used to insure:
- Standard and specialty food trucks
- Ethnic food trucks and carts
- Ice cream trucks and bikes
- Hot dog carts and stands
- Festival concessionaires
Restaurants that have a food truck for special events likely also need food cart coverages, in addition to other restaurant coverages. Many restaurant policies can be modified so that they include food cart coverages within their protections.
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What coverages can food cart insurance policies provide?
Food cart insurance policies normally come with a variety of protections. While exact protections can vary, coverage options typically include:
An insurance agent who specializes in food trucks and carts can review exactly what protections a policy affords.
Do food trucks need to get workers compensation coverage?
Workers compensation is an important protection for employees. Should an employee be injured on the job, this might cover their medical costs and some of their lost wages. It can provide important assistance for employees, and potentially help prevent employers from being sued over workplace accidents.
Texas is one of the few states that normally doesn’t require employers to have workers compensation. It’s broadly recommended if a business has employees, however, as workplace accidents can be financially devastating if workers comp isn’t in place.
Most food trucks that have employees should strongly consider workers comp. Those that are owner-operated without employees may forgo the coverage.
Do food trucks need additional insurance coverages when at events?
Food trucks and carts occasionally need to adjust their insurance policy for specific events that they go to. For instance, food trucks may want to add these coverages if they aren’t already included in a policy:
If any of these are needed, they usually can be added onto a food truck policy. This is something that a knowledgeable insurance agent can assist with.
Where can food trucks get food truck insurance?
If you need help insuring a food truck that’s in Texas, contact the independent insurance agents at Kirk Insurance Agency. We’ll help you find food truck insurance that’ll protect your business well.
