(888) 900 0205Catering Truck Business Insurance
Catering truck business insurance protects your mobile food operation from unexpected risks like accidents, property damage, or customer injuries. Whether you’re serving up tacos at lunch or coffee at a farmer’s market, having the right coverage keeps your business rolling without major interruptions.
General Liability Insurance for Catering Trucks
General Liability Insurance (GL) covers third-party claims, including bodily injury, property damage, or personal injury. If a customer trips near your truck or you accidentally damage another vendor’s equipment while setting up, GL insurance has your back. It’s a safety net for those unforeseen moments that could otherwise drain your cash flow.
Claim Example:
A catering truck owner was serving food at a large festival when a customer spilled a hot coffee cup. The customer suffered minor burns and sued the business for medical expenses and damages. Thankfully, the catering truck’s General Liability Insurance covered the costs, including legal fees and the customer's compensation, saving the business thousands of dollars.
Workers’ Compensation for Catering Trucks
Workers’ Compensation insurance covers medical bills and lost wages for employees injured on the job. Even catering truck staff face risks like burns, falls, or heavy lifting injuries. Having this coverage keeps your team protected and your business compliant with state laws.
Claim Example:
While unloading heavy boxes of supplies, a catering truck employee slipped on a wet ramp, injuring their wrist. The worker filed a Workers’ Compensation claim for treatment and time off work. The policy covered medical expenses, physical therapy, and lost wages, helping the employee recover without financial stress.
Commercial Auto Insurance for Catering Trucks
Commercial Auto Insurance is essential for catering trucks. It covers accidents, collisions, theft, and vandalism involving your vehicle. Since your truck isn’t just transportation—it’s your entire business—this coverage is a must. If you’re in an accident, commercial auto insurance handles repair costs, medical bills, and liability claims.
Claim Example:
A catering truck was rear-ended on the way to a local event, causing significant damage to the truck’s rear storage area and food prep equipment. The business filed a Commercial Auto Insurance claim, which covered the cost of repairs to the vehicle and some damaged inventory. This allowed the truck to be back on the road in no time, avoiding extended downtime.
Why Choose USA Business Insurance
Partner with USA Business Insurance for reliable, tailored coverage that puts your catering truck first.
- Nationwide licensing for quick policy turnarounds
- Custom coverage options for mobile food businesses
- Fast claims handling and flexible payment plans
- Proactive renewals to secure the best rates
- Affordable plans for catering trucks, food trailers, and vendors
Let us protect your business like it’s our own. Call us today and get the coverage you need to keep rolling!