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Catering Truck Insurance

A catering truck may be a small business van or cargo van, or a larger boxed and refrigerated truck. Depending upon your company’s needs and business structure, you may own several different types of catering trucks. Buying or leasing any sized catering truck for your company is expensive. If you had to repair damage to one of your trucks from a wind or hail storm, would it cause your company deep financial stress? If your truck is involved in an auto accident, could you afford to pay all of the associated bills and expenses that arise?

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General Liability
Property Coverage
Auto Insurance
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Your catering truck in an investment in your company and your commercial auto insurance is an investment in your truck. Business insurance can protect you from losses to the truck itself and from financial losses when the truck causes an accident. Here are the types of commercial auto insurance you’ll need for your catering truck.

Liability InsuranceLiability insurance protects your company from having to pay other people’s bills when your catering truck causes or is at fault for an auto accident. Liability insurance is required coverage in most parts of the United States, and generally pays for two important areas:

When you set up liability insurance for your catering truck you will need to select a coverage amount and type as well as an insurance deductible. The deductible is the amount that you will pay out of pocket when there is an auto accident with your truck. If the accident expenses do not exceed your deductible then the insurance company will not have to cover any costs. Select a deductible amount that you can easily afford at any given time. If your deductible is too high then you may have difficulty paying it when an accident arises. If it is too low it can cause your insurance premiums to be too high.

The amount and type of liability policy you choose determines how much your insurance company will pay for each accident that arises. A single claim policy of $150,000 will pay a maximum of $150,000 for the total combined damages – property and bodily – created in a given accident. A split claim policy sets maximum payouts for individual use and total accident. For example, if you select a split claim policy of $30,000/$125,000/$50,000 then your policy will pay a maximum of $30,000 for any individual person's bodily injuries in one accident. It will limit the payout for all bodily injuries combined to $125,000 per accident. The last number defines the maximum amount the policy will pay for property damages, in this case $50,000.

Medical PaymentsMedical payments coverage protects the driver of your catering truck and any passengers who were riding with him at the time of the accident. If the driver or any passengers require medical care after an auto accident, this insurance will pay those medical costs. This coverage is a no-fault insurance, which means it pays benefits regardless of who was at fault for the auto accident. It isn’t available in all areas however. Call one of our licensed representatives to determine whether this insurance option is available for you.

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Truck Insurance

Physical Damage InsurancePhysical damages insurance protects your catering truck. This is important commercial insurance to carry when your company leases its trucks. If the truck still has a lien or outstanding bank loan on it, this is also important coverage. If your truck is destroyed while under lease or with an outstanding loan, your company may have to pay off the contract out of its own funds. By carrying physical damages insurance however, the insurance coverage can pay for the cost of payoff or replacement instead.

Uninsured or Underinsured Motorist - If your catering truck is involved in an accident with another vehicle that does not carry insurance, your company may have to pay the repair bills to get your truck back into working shape. Likewise, if the accident is caused by someone who carries insurance but it is not enough to cover all of the damages caused to your truck, you may have to pick up the difference. Uninsured and underinsured motorist protection is designed to prevent you from having to deal with that financial impact. With this coverage, your truck is protected in the event that the at fault driver does not have any insurance, or does not have enough to pay for all of your truck’s repairs. Like liability insurance, uninsured and underinsured motorist coverage  takes care of two primary areas:

Other Important Commercial Auto Insurance for your catering truck includes:

Liability Insurance Quote For Catering Trucks

Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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