The food truck industry has boomed in recent years. As a result, many food trucks are popping up across Michigan and the United States to serve hungry customers. Operating a food truck can be a rewarding and liberating experience with much lower overhead than a traditional restaurant. However, it is important to consider a few insurance options before outfitting your new truck.
Mason-McBride has extensive experience in covering mobile food vendors. We will help create a plan designed to cover the risks and challenges that your mobile industry faces daily.
Food Truck Insurance Requirements
Owning and operating a food truck comes with inherent risks. At Mason-McBride, we partner with reputable insurance carriers to provide a diverse range of coverage options to safeguard your mobile food business. Here are some key areas to consider:
Food Truck Liability Insurance:
General liability insurance can help protect your food truck business against claims for bodily injury, property damage, advertising injury, errors, or omissions. In addition, without this coverage, you may be responsible for paying out of pocket for legal costs, such as attorney fees and settlement amounts.
Commercial Auto Insurance:
Commercial auto insurance helps cover vehicles used for business purposes, such as cars, trucks, and vans. The right Commercial auto insurance will cover vehicle damage and driver injuries that may put your investments at risk.
Workers Compensation Insurance:
Worker compensation insurance gives employees benefits to help recover from work-related injuries or illnesses. It can also benefit employees’ families if they lose their lives in a workplace accident. Different factors, such as job risk, claims history, and payroll size, can affect workers’ compensation costs.
Properly insuring your food truck is important whether you own the vehicle outright or lease it. Our experienced team will take the time to understand your business and recommend comprehensive risk management solutions.
Why Work With Mason-McBride?
With over 100 years of experience serving Michigan businesses, we have a deep understanding of the local insurance landscape. We take pride in building strong relationships with our clients and providing reliable and transparent guidance through the insurance selection process.
Request a Proposal
Contact Mason-McBride today to discuss your food truck insurance needs. We’ll help you navigate your options and find the coverage to keep your food truck business rolling!