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Sunday, February 13 2022
Keeping Your Food Truck Well Insured

Orlando, Fla.— Food trucks is a modality that is here to stay. Crowds rave for certain types of food served in a casual way that allows you the flexibility to eat at location in some instances, or you can take home or stay in your own vehicle to enjoy your order. Orlando has a large variety of food trucks to cater all food tastes. If you’re looking to start your own food truck, one of the most important business steps is investing in insurance.

The one question many new businesses have is:

What kind of insurance does a food truck need?

Food truck insurance is insurance tailored to the needs of food truck operators. You will need several coverages to work in tandem with one another in order to ensure sufficient coverage for a mobile food truck.  It is important that your insurance coverage takes care of the vehicle itself, its content, your employees, plus the two areas vulnerable to liability, which are the truck and your business operation.

Typically the following types of food trucks will need food truck insurance:

Concession truck

Lunch truck

Ice cream truck

Catering truck

Mobile food truck

Vending truck

Commercial Auto Insurance—This type of insurance is required for all vehicles used for business purposes to protect from liabilities and damage while in transit. The policies included in commercial auto insurance protect your vehicle from physical damage to the unit and items permanently attached to your vehicle by bolts, plumbing, and gas lines.

Kitchen Equipment and its Contents—It is important to pair commercial auto insurance with contents coverage to ensure that all of your food truck belongings are protected by your insurance. It covers the items that are in your food truck but not permanently fixed to the unit. As a food truck owner you’ll have the option to choose between an actual cash value policy or replacement cost value. As in other types of insurance policies, replacement policies will imply a higher premium than actual cash policies.

General Liability Insurance —Food truck general liability insurance is necessary to protect your mobile business from risks involving third parties while your vehicle is stationary while open for business.

Workers Compensation—It protects your employees with wages and medical benefits if they get ill or injured at work. This particular coverage will give you protection if:

  • An employee slips and falls on the job.
  • Employee suffers a job-related illnesses.
  • Employee incurs in medical care expenses, medication, and rehabilitation caused by an injury on the job.
  • Long-term or permanent disability payments.
  • Death benefits to family members of employees that experience a work-related death.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist!

Hector Perez, Producer

Email Hector
Call 407-203-7085

Posted by: AT 03:49 pm   |  Permalink   |  Email

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Orlando Truck Insurance

9601 Recycle Center Rd

Orlando, Fl 32824

Phone: (407) 203-7085
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Orlando Truck Insurance offer Truck Insurance for the following operations: Agricultural Haulers, Auto Haulers, Bulk Hoppers, Dry Vans, Dirt/Sand/Gravel, Flat Bed, Grain Haulers, Heavy Haulers, Hazmat, Hotshot. Intermodal, Livestock / Cattle, Loggers, LTL, Milk Haulers, Oilfield, Refrigerated Goods, Steel Haulers, Tankers, Towing, Local, Long-haul, Intermediate

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Insurance is offered by Garzor Insurance and/or its affiliates, with their principal place of business at 4369 Hunters Park Lane, Orlando Fl 32837. This website provides a simplified description of Insurance Products. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.

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