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.