Month: June 2024

If you own a food truck, it is likely your biggest investment. Furthermore, your food truck is an extension of your home. There may be days when you spend more time in your food truck than you do in your apartment or house.

Here at Einstein Insurance, serving Portland, OR, and all of western Oregon, we provide the business insurance food truck owners require to protect their investments, reputations, and employees.

What Is Food Truck Insurance?

Insurance companies do not offer specific "food truck policies." Instead, your insurance agent collaborates with you to tailor a business insurance policy that provides all the types of coverage that you need:

• Coverage for the food truck itself, in both parked and driving situations.
• Insurance to protect against accidents inside or in the vicinity of the truck, as well as workers’ compensation for employees.
• An often overlooked but essential liability coverage to settle claims in the rare event that a customer reacts negatively to the food.

Food Truck Insurance Usually Involves More Than One Policy

Your agent at Einstein Insurance, serving greater Portland, OR, will consult with you to ensure you receive precisely the coverage you require.

Most food truck owners will need the following:

• A business owner’s policy. This policy covers your food truck or food cart and general liability for your business.
• Commercial auto coverage. If you tow a food cart with your personal vehicle, your regular auto insurance is insufficient. You will also need commercial auto coverage for your car or pickup.
• Liquor liability insurance. This policy protects you from claims by inebriated customers.
• General liability insurance. This coverage protects you in case of claims of negligence, bodily injury, property damage, and advertising injury.
• Workers’ compensation. This state-mandated coverage provides for your employees in case of job-related injury or illness.

Allow the professionals at Einstein Insurance to review your policies to make sure you have the precise coverage you need. Call us today!