"Serve With Passion. Park Without Worry."
Protecting mobile operations, customers, and culinary investments
Food truck operations involve constant movement across locations, daily public interaction, and exposure to food safety risks, equipment failures, and third-party liability. From cooking fires and foodborne illness claims to auto accidents and event permit requirements, food truck risk extends well beyond the vehicle itself. Whether operating a single truck or a multi-unit fleet, exposures can arise from daily service, unpredictable locations, or equipment breakdowns.
Properly structured insurance is essential to protect revenue, equipment, customer safety, and the ability to operate across venues, events, and municipalities.
Key Risks in Operations
Auto accidents involving the truck or trailer
Third-party bodily injury at service locations
Foodborne illness and product liability claims
Equipment breakdown and spoilage losses
Fire or explosion from cooking equipment
Theft of the vehicle, equipment, or cash
Permit and event contract requirements
Losses can arise even when the business is professionally managed.
Core Coverages
Commercial Auto — Covers the truck, trailer, and vehicle liability for accidents occurring during transit or operation.
General Liability — Protects against bodily injury and property damage claims arising from food service operations and customer interactions.
Product Liability — Covers claims alleging illness, injury, or harm resulting from food or beverages served.
Commercial Property / Inland Marine — Protects cooking equipment, generators, and business assets whether at a fixed location or in transit.
Equipment Breakdown — Covers mechanical failure of cooking equipment, refrigeration units, or generators.
Workers Compensation — Provides coverage for employee injuries in a fast-paced, heat-intensive mobile kitchen environment.
Umbrella / Excess Liability — Provides additional limits for severe bodily injury or product liability claims.
What's Commonly Overlooked
Insurance programs are often weakened by:
Missing product liability or food-specific coverage
Inadequate auto limits for a vehicle used commercially
No spoilage or equipment breakdown coverage
Failure to meet venue or event certificate requirements
Gaps between auto and general liability policies
Uninsured employees working on the truck
These issues typically surface at claim time — not before.
A customer alleges foodborne illness after eating from the truck
The truck is involved in an accident while traveling to an event
A generator fire damages the cooking unit and nearby property
Equipment failure causes a full inventory loss
A customer slips and falls near the service window
Even a single claim can disrupt operations, damage client relationships, or impact cash flow.
Why Proper Placement Matters
Coverage varies significantly based on:
Number of trucks and vehicle ownership structure
Types of events and venues serviced
Menu complexity and cooking methods
Employee count and staffing model
State and municipal licensing requirements
Improper placement can lead to uncovered claims, contract losses, or regulatory exposure.
Our Approach
At Cory Washington & Co., we structure food truck insurance programs around the mobile, high-exposure nature of the business — not a standard restaurant model. We coordinate auto, liability, product, and equipment coverage to ensure your program works as hard as your operation does.
Mobile business. Full protection.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.