Running a food truck in Catskill, Hudson Valley, NY is an exciting way to bring delicious meals to hungry customers, but have you thought about what would happen if something went wrong? Whether it's a sudden grease fire, a customer slipping near your truck, or equipment breaking down unexpectedly, **food truck insurance** is essential for keeping your mobile restaurant protected.
At My Valentine Insurance Agency, we specialize in **business insurance** tailored to food truck owners. Whether you're just starting out or already established, we can help ensure that one bad day doesn’t put your entire business at risk. Call us today at **518-943-3489** to get started.
Unlike a traditional restaurant, food trucks face unique risks. Your kitchen is constantly on the move, meaning you need coverage for not only your vehicle but also your equipment, employees, and liability risks.
Mobile Business Risks
Because you're always moving, accidents can happen on the road or at events.
Fire & Equipment Damage
Cooking equipment failure, fires, and propane issues can be costly.
Customer Injuries
Slip-and-fall accidents or food-related illnesses could lead to lawsuits.
Every food truck business is different, so your policy should be tailored to your unique needs. Here are some of the most common types of coverage:
| Coverage Type | What It Protects |
|---|---|
| Commercial Auto Insurance | Covers accidents, damage, and liability while driving your food truck. |
| General Liability | Protects against customer injuries, property damage, and legal costs. |
| Business Property Insurance | Helps replace or repair damaged cooking equipment, freezers, and other gear. |
| Food Contamination Insurance | Covers food spoilage due to power outages or refrigeration failure. |
| Workers' Compensation | Provides protection for employees in case of job-related injuries. |
| Loss of Income Coverage | Helps cover lost revenue if your truck is out of service due to covered events. |
Food truck owners face a variety of risks. Here are some real-life examples of claims that could be covered by **food truck insurance**:
Vehicle Accidents
A driver rear-ends your food truck on the way to an event.
Kitchen Fires
A grease fire damages your truck’s cooking equipment.
Customer Injury
A customer slips on a spill near your truck and sues for medical expenses.
The cost of food truck insurance depends on several factors, including the value of your truck, the type of food you serve, and how often you're on the road. On average, policies range from **$2,000 to $5,000 per year**, but every business is different.
We can help you find a policy that fits your budget. Call **518-943-3489** for a **custom quote today!**
Food truck owners work hard to bring delicious food to the streets, but without the right insurance, a single incident could put everything at risk. Don't wait until it's too late—protect your business with a **customized food truck insurance policy** from My Valentine Insurance Agency.
Contact us at **518-943-3489** or fill out our online quote request form today!