How Do I Register My Food Trailer

We get the question asked every day…What level of food trailer insurance coverage exercise I need?

Mind, we know nutrient trailer insurance can sometimes be confusing, this is such a unique manufacture! You want to find a slap-up price, but also make certain you are covered! We created this to assistance y'all visually empathise what food trailer insurance you need in order to protect your business. Nobody has e'er regretted reviewing their coverage levels when preparing for a possible claim. Information technology is important to put the time into learning about food trailer insurance before it'south too tardily!

General Liability Insurance

General liability protects yous from lawsuits brought confronting yous for injury or property damage to third parties. Information technology does not encompass auto related or employee injuries, those coverages are discussed below.

GL food trailer insurance coverage includes your products (nutrient), your premise (sideslip and autumn), personal injury/advert injury (libel and slander), and property harm to others.

The best office nearly this insurance is information technology as well covers the legal fees to defend such claims, even if it'southward found you were not at fault!

It is smart to have this coverage since we live in a sue crazed world. Also, it is oft required to do business with nearly landlords, vendors, and commissary kitchens.

Common coverage limits in the industry are 1 million per occurrence, ii 1000000 aggregate (total claims per year).

To read more almost full general liability for food trailers and food trucks see our blog post:

Full general Liability Insurance 101 for mobile food vendors

Food Trailer and contents Property coverage (Inland Marine)

Y'all pour countless hours and money into your nutrient trailer, so you want to make sure your investment is protected!

Belongings coverage is otherwise known equally inland marine (property that moves over country) coverage for your nutrient trailer or other business equipment.

A common mistake we run into is owners bold your auto insurance policy automatically extends coverage to the vehicle pulling it. Sadly, it doesn't.

To read more than nigh property insurance check out our other blogs:

What is the Value of My Food Truck or Nutrient Trailer?

How to Protect Your Food Trailer or Food Truck Equipment

Motorcar Liability

For vendors such every bit food trailers, concession trailers, food carts, pop-up vendors, street vendors, food stands, and catering trailers you lot will need to speak with your personal car carrier on if you can keep that policy or if you will need a commercial auto policy.

Either way, you want to brand sure y'all are covered for injury or property harm to others if you crusade an accident while driving.

The auto liability applies once you attach the trailer and start moving. In one case you lot park, detach and offset operating your mobile food concern, the general liability takes over.

Workers Comp

Workers Bounty Insurance or worker's comp equally it is normally known pays wage replacement and medical benefits to employees if they are injured. In many states, it's required by law to carry workers comp and others optional.

To read more on workers comp insurance, check out our blog mail:

The Disadvantages for Food Trailers that Don't Have Workers Comp Insurance

Additional Coverages

Other coverages are likewise available as add-ons.

For example, umbrella insurance is backlog coverage in a higher place and beyond your limits of general liability or auto liability insurance. This coverage is often required by large contracts.

Nutrient spoilage is another optional coverage that can pay for your spoiled food. However, beware that deductibles are often 500 or more than, and many food trailers will hold about equal to the deductible.

I of the all-time boosted coverages in my experience is the loss of business income due to an insurance loss.

Often times, fifty-fifty when you endure a covered claim from an insurance loss, the resulting loss of income while yous repair or supersede your trailer. Information technology volition at best be a large hitting to your income, or more likely put you out of concern.

About Insure My Food

Insure My Food provides insurance coverage for many types of mobile food vendors such food trailers, concession trailers, pop-up vendors, concessionaires, snow cone stands, and more.

Nosotros are committed to providing our clients the highest quality insurance service combine with our industry knowledge and experience.

We take the knowledge and insurance carrier partnerships to help brand the insurance process affordable and easy!

To request an insurance quote click here or call u.s. at (800) 985-7859