Question 1

What is a common misconception about General Liability for Food Trucks?

Accepted Answer

Food truck operators think their auto policy covers everything since 'it's a vehicle.' Auto covers driving liability; GL covers the business operations (food prep, customer interaction).

Question 2

What happens if food trucks don't have General Liability?

Accepted Answer

Customer slips on grease near the truck — $14K. GL pays.

Question 3

What is a common misconception about Commercial Auto for Food Trucks?

Accepted Answer

Personal auto won't cover a food truck — and many regular commercial auto policies want a special class.

Question 4

What happens if food trucks don't have Commercial Auto?

Accepted Answer

Food truck T-bones a vehicle — $120K. Commercial auto pays.

Question 5

What is a common misconception about Commercial Property for Food Trucks?

Accepted Answer

Auto covers the vehicle; commercial property covers the buildout/equipment installed in it.

Question 6

What happens if food trucks don't have Commercial Property?

Accepted Answer

Grease fire damages buildout — $60K. Property pays.

Question 7

What is a common misconception about Workers' Compensation for Food Trucks?

Accepted Answer

Solo operator + helper still requires WC in most states.

Question 8

What happens if food trucks don't have Workers' Compensation?

Accepted Answer

Helper burned by fryer — $11K. WC pays.

Question 9

What is a common misconception about Food Contamination / Spoilage for Food Trucks?

Accepted Answer

Food trucks operate on slim margins — a 1-week closure is catastrophic.

Question 10

What happens if food trucks don't have Food Contamination / Spoilage?

Accepted Answer

Cooler failure spoils $2K inventory; contamination scare closes for 4 days, $7K lost income. Coverage pays.

Food Trucks Insurance Coverage Guide | RISKX