When you worry about the pricing of food truck and food van insurance, remember that any type of food service business interacts with the public in an intimate way. The public has to trust that your food is safe and won’t cause them any problems. That’s why there’s an inherent risk in running a food service business: you’re feeding the public!
For example, consider what might happen if you were to serve someone shellfish in a dish when they didn’t disclose that they had a shellfish allergy. This kind of situation is rife with liability issues, and the only way to help protect your business is to start off covered in the first place.
Before you move forward, it’s important to recognise the various types of food truck insurance you might want to acquire for proper coverage. You need more than just one type to ensure that every aspect of your business has the proper coverage it needs, including:
The information you need when applying for insurance varies from product to product. For your food van insurance, you’ll be expected to include vehicle identification numbers, whether or not you use deep fry appliances, who will be driving the food van, etc. For other types of insurance on this list, you’ll have to provide business details and financial details in order to ensure that the insurance company has an accurate picture of what your business might require in coverage.
The claims can vary as much as the insurance cover itself. You may have to make claims on public liability insurance if someone finds themselves with food poisoning after visiting your food truck, for example. Or you may need to file a claim on food van insurance if your van is physically damaged.
This is why it’s so important to make sure you have the proper coverage in place. We recommend you check out the relevant insurance providers that can provide food truck insurance and food van insurance to businesses like yours.
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