Food Truck Insurance

As A Food Truck Owner, Is Your Investment Protected?

As a food truck owner, your business is your life and your livelihood. Protecting your investment with a customized insurance plan is more important and more affordable than you think. We understand how one incident can shut you down for days if not permanently. We explain the coverages you will need to properly insure your “souped-up” truck in a language you understand. At Hatch Insurance Group, we insure your truck and keep your eatery open for business by minimizing downtime with 24/7 claims service that gets you back in the driver’s seat—and back to your famished foodies—fast.

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Claims Examples:

Bodily Injury:

Example #1 – A customer buys a hot dog from your truck. While eating the hot dog, the customer suddenly chips a tooth on something hard contained inside the hot dog. The customer incurs $700 in medical expenses and $6,000 in corrective dental expenses.

Example #2 – You’re operating a food truck at the flea market. Customers surround your truck to purchase food. The awning on your truck is suddenly knocked down by a strong gust of wind and a pole supporting the awning, strikes a customer in the face causing a laceration. The individual incurs $1,100 in medical expenses, $12,000 for surgery to repair scar damage and $10,000 for mental anguish.


Example – the day is over and your truck and/or trailer are stored for the evening. You awake to find they have been stolen. You now will need to spend $75,000 to $100,000 for a new truck and equipment.

Fire/Loss of income:

Example – You receive a phone call awaking you from your sleep. There has been a fire in the warehouse that you lease to keep your most valuable merchandise. All your merchandise is destroyed. Replacing your food will cost at least $30,000. In addition, you incur $5,000 to $10,000 in lost income while you get your business back up and running.

Product Features:

  • Package policies—including general liability with property and/or equipment
  • Theft coverage included
  • Coverage for other miscellaneous items
  • Coverage up to $35,000 per item for scheduled items

Do You Have:

  • Premises Liability for the area you occupy and the operations you conduct
  • Products/Completed Operations for the food you sell
  • Blanket Additional Insured
  • Coverage for Misc. items for your truck as well as at your stand
  • Property and General Liability for your warehouse and/or office location

Available Coverage and Features:

  • General Liability limits up to $2,000,000 per occurrence/$3,000,000 aggregate
  • Blanket additional insured
  • Ability to add kitchen, commissary and warehouse locations including property coverages
  • Ability to schedule multiple trucks on one policy
  • New ventures (Owners with little/no food truck experience)

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