Food Truck Insurance in Vermont

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Food truck insurance provides specialized commercial coverages for mobile food businesses. Policies typically come with a combination of auto, property and liability coverages.

Specialty food trucks
Basic food trucks
Ethnic food trucks/carts
Hot dog/sausage carts

Commercial Vehicles Coverage
Commercial Property Coverage
Inland Marine Coverage,

What is food truck insurance?

Food trucks occupy a unique space within the food service industry, and they thus have unique insurance considerations. A food truck insurance policy can usually give Vermont businesses that have food trucks the unique combination of protections that they need.

Food truck insurance provides specialized commercial coverages for mobile food businesses. Policies typically come with a combination of auto, property and liability coverages.

What Vermont businesses should carry food cart insurance?

Most mobile businesses that serve food in Vermont should have food cart insurance. The same policies typically insure food trucks, food carts and similar businesses. For example, all of the following businesses may want this type of insurance policy:

Specialty food trucks
Basic food trucks
Ethnic food trucks/carts
Hot dog/sausage carts
Festival concessionaires
Restaurants with food trucks
Ice cream trucks/bicycles

Sometimes whether a business needs a food cart policy or a more comprehensive restaurant policy isn’t immediately clear. Businesses that are unsure which policy type better suits their situation should speak with an insurance agent who specializes in this insurance.

What coverages are included in food cart insurance policies?

Food cart insurance typically provides a unique combination of auto, property and liability coverages. Some of the protections that a policy might afford are:

Commercial Vehicles Coverage, which may cover truck damage and injuries resulting from accidents/other incidents
Commercial Property Coverage, which may cover damage to equipment and inventory kept in the truck
Inland Marine Coverage, which may cover equipment and inventory when the truck is driving to/from locations
General Liability Coverage, which may cover slip and fall accidents (non-vehicle accidents) that occur around the truck
Product Liability Coverage, which may cover illnesses spread by improperly prepared foods/beverages
Liquor Liability Coverage, which may cover incidents that involve customers who were given too much alcohol
Commercial Umbrella Coverage, which may provide a secondary layer of liability protection against expensive lawsuits

Policies may offer other coverages in addition to these.

Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. He was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him!

Becci Kepnes-Letourneau

Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.

StoryWorkz Creative

Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!

Lance Garrett

Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.

Jennifer L.

Do food trucks need commercial vehicle coverage?

Commercial vehicle coverage is generally required for vehicles that are driven on public roads.

If a food truck is driven between locations, then commercial vehicle coverage is likely required. Trucks that go to events, between locations, or don’t park where they serve likely need this coverage.

Food trucks that are stationary, serving at one location, may not need commercial vehicle coverage. Food carts and bicycles normally don’t need vehicle coverage since they aren’t a truck or cars.

If there’s any doubt about this coverage, a knowledgeable insurance agent can help determine whether commercial vehicle coverage is required.

How much do food cart insurance policies cost?

Premiums for food truck policies vary, as there are many factors that can impact rates. Some of the factors that usually impact rates are:

Whether a food truck or food cart is insured
The make, model and year of a food truck
The location(s) that a truck/cart sets up at
The number of customers served each year
What menu items are offered

Alcohol and raw foods might increase cost, compared to policies for trucks that don’t serve these.

How can food trucks and carts in Vermont find food truck insurance?

If you need assistance insuring a food truck or cart that’s located in Vermont, contact the independent insurance agents at Paige & Campbell Insurance. Our agents have worked with many food service businesses, and we have the expertise necessary to make sure your truck or cart is properly insured. We’ll help you find the best food truck insurance policy no matter what insurance company underwrites it.

General Liability Insurance In Vermont