Food Truck Insurance

Food Truck Insurance

Whether you own a single food truck or a large chain, protect your business with Food Truck Insurance.

Join thousands of Canadian businesses that are already protected!

Partnership with over 50 leading Canadian insurance companies

Zen Man protected by Food Truck Insurance

What is Food Truck Insurance?

Food Truck Insurance is a policy package designed specifically for food truck owners to protect them against specific risks and liabilities associated with operating a food truck business.

Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your business unique, leave it to us to find the best fit for you.

Restaurant Insurance Coverage

What does Food Truck Insurance cover?

A comprehensive insurance policy package for food truck owners typically includes:

  • Commercial General Liability Insurance: Coverage for costs associated with claims or lawsuits alleging third-party injuries (e.g. slip-and-fall) or property damage resulting from your business operations.
  • Equipment Breakdown Insurance: covers the costs to repair or replace equipment that has broken down due to an internal cause, such as a mechanical issue.
  • Business Interruption Insurance: covers net income loss if you need to close your business temporarily, as well as employee’s wages, and overhead costs, such as electricity and rent. Please note this insurance does not cover pandemics.
  • Contents Coverage: Coverage to repair or replace damage to your property, equipment, machinery, etc. due to covered risks, such as theft or fire.
Restaurant Insurance Requirements

Who needs Food Truck Liability Insurance?

If you serve or sell any form of food or drink, consider protecting your business with a Food Truck Insurance policy package.

Without the right insurance coverage, your food truck business could suffer severely due to lawsuits from unhappy clients.

Restaurant Insurance Costs

How much does insurance cost for a food truck?

For a small- to medium-sized business, you can anticipate a starting cost of approximately $700-800 for liability insurance. For a policy package, you can expect to spend $1000-1200. 

The following factors are taken into consideration when determining the best policy options for you: 

  • Years of Experience
  • Locations Served 
  • Annual and Projected Gross Revenue
  • Number of Employees

Getting insured is quick and easy!

Complete our 5-minute online application form for a free Food Truck Liability Insurance quote.

Common scenarios where Food Truck Insurance is useful

contaminated food truck food

Problem: A customer is hospitalized with food poisoning after eating at your food truck.
Outcome: Your Product Liability Insurance covers the medical bills and legal expenses, totaling $7,000.

local flood

Problem: Your food truck is destroyed in a local flood, causing you to temporarily shut down during repairs.
Outcome: Your business interruption insurance covers the income lost during the time it takes to restore your truck, totaling $38,000.

food truck employee

Problem: Faulty wiring causes a power surge that destroys the generator powering your food truck.
Outcome: Your Equipment Breakdown Insurance covers the cost to replace the generator, totaling $4,000.

Frequently Asked Questions about Restaurant Insurance

Is liquor liability an important coverage for my restaurant?

If you serve alcohol at your restaurant, you may consider adding liquor liability to your insurance policy. You may be held liable if you serve alcohol to a customer who causes an accident and the alcohol is deemed to be a contributing factor in the incident. Restaurant employees are also required to ensure that they do not serve alcohol beyond the point of intoxication, which is an extremely difficult requirement to keep track of.

Do I need equipment breakdown coverage?

Yes. This is an extremely important coverage for restaurant owners. It protects your business from cases of mechanical and electrical breakdown of major pieces of equipment (e.g., boilers, coolers, refrigerators, air conditioners). The policy covers the repair or replacement of the equipment, and there is also a limit associated with food/drink spoilage. Note that equipment breakdown is not included under property coverage.

Are employee theft and regular theft covered under Crime Insurance?

Crime Insurance protects your business from employee theft including stolen cash and credit card forgery as well as loss of money and securities inside and outside of the premises. Regular theft, however, is included under the property portion of a policy. Ensure that you have both added to your Restaurant Insurance policy.

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Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.