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Caterers & Catering Truck Liability Insurance

Owning a lunch truck or catering truck provides you with an excellent way to earn an income while staying mobile. Your mobility is a key aspect of your business’s success, because it allows you to take your products and services directly to where the majority of your customers are. This can increase business dramatically, particularly if your lunch truck or catering truck serves specific types of customers. A lunch truck is always a welcome sight near construction areas for example, and catering trucks are favorites at a movie or photography shoot. Keep your business successful by making sure you’re carrying the right types of small business insurance protection.

General Liability

Insurance As Low As
$66 A Month
General Liability
Property Coverage
Auto Insurance
Workers Compensation

General liability is one of the most important types of insurance all businesses should carry. This business coverage is broad and helps protect you at a base level from numerous potential hazards and risks. A general liability business insurance policy is designed to help buffer your company from the financial impacts that arise when a customer files a lawsuit with claims of injury, harm or wrongdoing. This insurance will grow the spectrum of its coverage level as your business expands. When you add a new catering truck to your route location for example, or add new products and services, your policy automatically provides protection for them. General liability insurance helps protect your company in several specific areas:

catering business liability insurance
caterer business insurance
General Liability Insurance Includes:

Business Owners Policy

When you need to directly protect your business assets, you’ll want to look into getting a business owners policy (BOP). With this coverage, you’ll get a general liability policy included automatically and you’ll be able to custom design specific types of other important coverage. A BOP lets you protect your physical assets such as your lunch truck kitchen equipment, and intangible assets such as your company’s accounts receivables. Coverage options can include:

Business Auto Insurance

Commercial auto insurance policy protects you from suffering financial losses caused by auto accidents. This is particularly important for a company such as yours that relies on being mobile to earn the bulk of your profits. This insurance pays for physical injuries and property damages when accidents occur, and can protect you from other risks of loss caused by uninsured motorists, fire, theft and weather damages.

Workers Comp

Your lunch truck or catering truck employees must be protected from accidents with workers comp insurance. This is mandated by law in most states so that your employees have a recourse when they are injured on the job. Workers comp pays their medical bills and related recovery costs that are caused by the accident.

Commercial Umbrella

Commercial umbrella insurance provides your company with additional protection above and beyond the maximum limits of your standard business insurance policies.

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Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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