Who doesn't love going to a food truck? It seems like we all do, because in any major city or urban area, or even relatively smaller ones, there's a food truck, or a dozen, on every corner. Food truck owners face a unique set of challenges for how they operate their business. This includes, of course, making sure that they are protected with the right type of commercial insurance policy.
There are many different challenges for food truck owners, though. There are specific regulations which may apply in different states, counties or cities, with licenses, permits, and more. They can't depend on their customers coming to a set location, but instead they get to go to where their customers are.
They don't have to pay to rent or own a building, but they do need that vehicle, a way to find a steady customer base while on the move, and so on and so forth. Another issue arises when restaurant owners in brick and mortar locations, who do pay those costs and have been established in one spot, don't want you where they are. In this cases, they are often lobbied against, as the food service or restaurant community can be quite powerful with local legislators.
With all of that said, one of the unique challenges does indeed remain finding a commercial auto policy for food trucks. Simply put, a typical commercial vehicle insurance plan won't work well for food trucks. You're not deep frying foods with vats of boiling hot oil in your typical commercial car, are you?
There's electrical equipment, the people doing the cooking back there, the issue of serving customers food and disposing of waste, and on down the line. It's a lot to sort through, and that's why it's so important to find a commercial policy which has been designed with just this in mind.
Even if you speak with an insurance representative who tells you that you can get away with the commercial policy for a refrigerated vehicle, or a more generic plan, don't settle for it. Also, be sure to keep in mind any changes to the local laws and regulations where you live and work, because this is a rapidly changing and evolving area.
The good news is that there are a growing number of options available to you, if you're the owner of a food truck. Make sure you protect your business, and yourself, as completely as possible, with commercial food truck insurance which covers your every need, and a provider who understands the unique challenges you face operating this kind of business.
John Rothschild is the owner of ACI Insurance Services, a leading provider of Florida commercial auto insurance for more than 10 years. ACI is known for their customer service, their extensive experience and knowledge of the industry, and their affordable rates, and they'll do everything they can to meet the needs of their clients. They also now serve the Georgia and Louisiana markets.
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