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One in 45 small business owners experience a claim
Based on Hiscox claim data from 1/1/2016-1/10/2019
Eligible Professions
- Barbecue truck/trailer operator
- Coffee/donut cart operator
- Food/beverage cart operator
- Food truck/trailer operator
- Hot dog cart operator
- Ice cream truck operator
- Ice cream/snow cone/shaved ice cart operator
- Lemonade cart operator
- Mobile food concessions
- Mobile food services
- Mobile food vending services
- Mobile kitchen operator
- Mobile street food vendor
- Snack truck operator
Common Risks for Food Truck Services
- Bodily injury
- Defamation, libel, slander
- Medical expenses
- Third-party property damage
The Curcuru Agency Bundle for Food Truck Services
GENERAL LIABILITY (GL)
Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel.
BUSINESS PERSONAL PROPERTY COVERAGE (BPP)
Available as an add-on to a GL policy, Business Personal Property Coverage covers accidental damage to your personal business property on premises (e.g. computers, printers, tablets, and office furniture). Coverage is also provided for property off-premises, such as laptops, mobile phones, tools and other equipment.
Claim Scenarios for Food Truck Services
GL CLAIM EXAMPLE
Third-party property damage:
A grease fire that originates from the kitchen in your food truck causes damage to a neighboring property. General liability insurance protects you against third-party claims of property damage, and would cover the cost to fix it.
Bodily injury:
A customer trips over an extension cord running from your food truck and falls, hitting their head on the pavement. The customer sustains a concussion and is taken to the hospital. General liability insurance protects you against third-party claims of bodily injury, associated medical costs, and potential legal action.