Summer Brings Increased Business to Food Truck Owners—a Utica First BOP Provides Protection from Mishaps Every Mile of the Way
Food trucks kick off their peak season in June. Warmer temperatures bring people outside, spending time at street fairs, concerts, sporting events, or simply strolling through parks. From beverages and sweet treats to Mediterranean, Mexican, Korean BBQ or many other mouthwatering cuisines, a variety of flavorful food trucks are sure to be close by.
Food truck owners should ensure their businesses are protected from risk of financial loss should an unexpected mishap occur. Some of these risks include, but are not limited to, food poisoning, equipment loss or damage, and vandalism. Utica First can provide the right protection from financial loss every mile of the way.
Utica First Business Owners Policy
Either as a stand-alone Utica First Business Owners Policy (BOP) or as an endorsement to an existing BOP on a restaurant, Utica First is here to help. We understand the unique nature of food truck businesses and have the expertise to insure and protect them, which gives food truck owners the peace of mind to focus solely on business operations. But what do food truck owners need to know before determining if our coverage is the right fit for their food truck?
What Food Truck Owners Need to Know
- Almost any type of food truck is eligible, with the exception of smokers and wood-fired cooking food trucks. We will allow pizza ovens!
- Signing up for our food truck policy is simple. We’ll need to understand a little about daily operations and types of service. We will also need the make, model, year, and VIN of the truck.
- 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.
- Rating is simple! We base it on a minimum of 100 square feet, along with the actual sales.
- If the truck has a grill or fryer on board, it must also have a Class K fire extinguisher.
- 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.
What’s Covered
Utica First’s Food Truck BOP coverage includes:
- 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 loss of tools 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 best value 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. #KeepingInsuranceSimple
