Nothing Says Summer Like Food Trucks Popping Up, No One Better to Protect Them Than Utica First & their Food Truck Policy
The official start to summer is fast approaching and that means it’s food truck time. Before the season heats up, it’s a great time for food truck owners to ready their businesses with proper insurance coverage.
From hamburgers to hot dogs, barbeque to ice cream—and everything in between—a variety of food truck businesses are popping up in towns and cities all around us. These food truck owners face many unique risks to the financial well-being of their businesses. Some risks include, but are not limited to, food poisoning, burns and cuts, equipment loss or damage, vandalism, and vehicle accidents.
How Utica First Can Help
This is where Utica First can help! We understand the unique nature of the food truck business and have the expertise to help insure it. Either as a stand-alone Utica First business owner policy (BOP) or as an endorsement to an existing BOP on a restaurant, Utica First is here to help protect these important investments. But what do food truck owners need to know before determining if Utica First’s coverage is the right fit for their food trucks?
Food Truck Owners Need to Know
- Signing up for our food truck policy is simple. We’ll need to know a little about daily operations and types of service. We will also need the make, model, year, and VIN of the truck.
- Food trucks are operated as motor vehicles, so it’s very important to ensure that they have a business auto policy to cover them and the business while driving.
- If food truck owners already have a food truck business or are considering opening one, please know that stand-alone food trucks must be in operation at least nine months of the year to qualify—unless we already write the restaurant.
- If the truck has a grill or fryer on board, it must also have a Class K fire extinguisher.
- Rating is simple! We base it on a minimum of 100 square feet, along with the actual sales.
- Almost any type of food truck is eligible, with the exception of smokers and wood-fired cooking food trucks.
- If we also write insurance on a restaurant for the food truck owner, this policy will also cover liability as a restaurant while the food truck is parked and operating for business.
- Commercial Umbrella available up to $5 million.
- Blanket additional insured coverage available at insured’s request.
Our Food Truck Coverages
- Business Property Insurance
- Helps protect the physical locations that the business owners own or lease, as well as property such as fixtures, equipment, and inventory.
- General Liability Insurance
- Helps protect businesses from covered liability losses to property damage and advertising injury should it occur as a result of business operations.
- Business Income Insurance
- Helps replace lost income when business owners are unable to conduct business due to a covered property loss like a fire.
You already know Utica First as one of the leading cost-effective companies for restaurant risks. Now make sure your staff is also quoting the ever-growing number of food trucks in your area. To learn more about our BOP for food trucks, click this link: https://www.uticafirst.com/commercial-insurance/restaurants.php. #KeepingInsuranceSimple
