We happen to insure hundreds of gourmet food trucks across the country. Food truck owners often find themselves wearing many hats during the course of a given day. You answer phones, prep food, serve, solve problems, handle HR issues and sometime or regularly wash the truck down at the end of the day! This leaves little time to read a 150 page insurance policy or 3 or 4 policies of you're like most businesses. Food truck owners rely on their agent or broker to help them understand the insurance jargon and most importantly the coverage and exclusions of their policies.
Not every policy is alike... In fact most can have significant differences in their coverage and exclusions. It's important to use an independent insurance agent that has access to several markets and understands the complexities of food truck insurance. Or even better an agency dedicated to mobile food vendors with unique coverage. We often find that small businesses start with their Farmers, Allstate, or State Farm agent because that's who covers their personal policies. However, most of these carriers cannot or will not insure mobile food related businesses. Plus, once your business expands you will start running into complicated insurance needs like workers compensation insurance, health insurance, and employment practices liability insurance to name a few. Many new clients come to us after a problem... Either a claim is mishandled or goes uncovered or an inexperienced agent cannot navigate an insurance question or need. "Sometimes insureds forget that an agent works on the carrier's behalf and a broker works on the insured's behalf. This can make a difference when it comes to how your claim is handled," says Stefanie Connolly, a Claims Manager at Brown & Brown/Insure My Food Truck. "We fight for you in your time of need."
We strongly encourage our clients to go through their policies and address any concerns before there is a problem. We answer as many questions that come up in order to make our clients comfortable with their policies and possibly their non-covered exposures. We agree, reading insurance forms is not fun, but going through a claim and being confused or not being covered is a million times less fun. If you have questions about your current insurance program or would like to consult with a food truck insurance professional, please contact us or request a quote anytime. Oh, and if you're reading this during business hours, feel free to chat with us using the chat box in the lower right. We pride ourselves in being available to you because we know just how busy you are!