Food Truck Insurance in California
Like any small business, food trucks need insurance to protect their property, employees, and investments. If you need food truck insurance in California, Saferoad Insurance can help you find a comprehensive policy that meets your business’s needs.
Who Needs Mobile Food Truck Insurance?
There are several kinds of food trucks and trailers that need commercial auto insurance in California. In addition to traditional food trucks, these businesses include:
- Ice cream trucks
- Catering vehicles
- Mobile concession stands
- Vendor vans
There are many reasons you need commercial auto insurance for any business vehicle. However, food trailer insurance offers additional coverages and benefits for businesses that carry culinary equipment and inventory in their commercial vehicles.
How Much Does Commercial Auto Insurance Cost?
The price of your commercial auto insurance policy depends on where you conduct business, how you operate, and what kind of vehicle you own. However, there are a few minimum requirements that all California commercial auto insurance policies must meet. These minimum limits are:
- Liability limit of $15,000 per person
- Bodily injury limit of $30,000 per accident
- Property damage limit of $5,000
Food truck insurance in California must also meet these minimum liability limits. However, many business owners choose higher limits or additional coverages to better protect their businesses. For example, comprehensive insurance coverage protects your food truck in the event of a fire, vandalism, theft, or other non-driving related accidents.
Additional Costs for Food Trucks
Some food truck businesses will have greater minimum liability limits based on the specifics of their operations. For example, a truck that uses grills or fryers is at greater risk of damage than one that just stores cold food. The riskier equipment calls for higher food truck liability insurance coverage.
The overall value of the vehicle also affects the cost of insurance. The more expensive the vehicle or its equipment is, the higher the insurance rate will be. When you work with Saferoad Insurance, we help you find a cost-effective food truck auto insurance policy that best meets your business’s needs.
We Serve You So That You Can Keep Serving
Food trucks are a lively, colorful, and flavorful addition to any community. Whether you’re traveling to local events or serving repeat customers at your favorite spot, we know how important it is to protect your small business. That’s why the team at Saferoad works to find you effective and affordable food truck insurance in California. Let us help you find the coverage you need to keep doing what you do best. Contact us for a free quote!