A Break Down on Food Truck Insurance in Washington

Posted by Stive Smith on October 30th, 2018

When you decide to get your Mobile food business on, there is one crucial decision you need to make. The insurance cover to protect your business is essential.

From other peoples experience, working with more than 1,000 food trucks can make you lose thousands if not millions of dollars. Don't risk your investment by ignoring small bits like covers.

Take your time and find an agent that will help you in obtaining proper coverage, help you in understanding the cover limits, and helps you in purchasing the cover.

Food trucks make your business mobile; therefore, finding the appropriate policy can be a big challenge. Here is a risk break down:-

General Liability

With General liability, you're protected from lawsuits that are brought against you from property damage and injury to any third party. This, however, doesn't cover for the employee or auto related injuries. The cover includes protecting your premises, products, injury and property damage. The best part is that the insurance covers all the legal fees that defend you against this claims mentioned above.

Property Damage Insurance

With this, the business is protected from theft, collision, vandalism, and fire. The assets coverage is separated into two categories in the insurance world: The truck and the equipment in one space and everything else not attached to the car.

Employee Compensation

In the case of an injury, workers compensation pays medical benefits and wage replacement. It-is essential to carry workers comp if you have a food truck business. (Learn the laws of your state to understand what governs what)

Trailer or Track Coverage

Property coverage for a trailer, truck or van can come from collision inland and comprehensive policies. The policies protect the attached equipment and the food truck. The cover could include damage losses from vandalism, collision, theft, fire or other losses.

Auto Liability

The greatest risk never comes from the food you serve, but from the truck, you're driving. In case of an accident, you want-to make sure you're covered for property damage and injury. Remember that this cover applies once your car starts moving. Once parked, the general cover takes over.

Content Coverage

This cover works for all items that are not attached to the food trailer or truck. If your vehicle flipped over, what items could be affected? They are all covered under this insurance. Since auto policies are in no way covering the attached types of equipment, there is need for a separate need to insure these items.

Additional Coverage

These are add-ons covers on all business additional. For instance, umbrella insurance is an excess coverage beyond the limit of general liability or auto liability insurance. You can also add on the food spoilers.

From many past experiences, it's vital to have personal care and love for your food truck insurance in Washinton business. With insurance cover over your back, you worry less about your food trucks, clients and property. It's extremely important to have your truck covered and safe.

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