Food trucks over the last several years have sprung up all over the U.S., including in Houston and other cities in Texas. From gourmet meals to lunchtime fare, food trucks have ushered in a whole new American eating experience. To keep these trucks operating in the black, it’s important to have good, strong insurance in place. That’s something we can definitely help you with at Transparity Insurance Services.
First, you need General Liability insurance, required by most cities to get a license to operate a food truck. General Liability protects you from third-party lawsuits over bodily injury and property damage to others, and copyright infringement on advertisements. It will also protect you in the event customers fall ill from food poisoning. It pays for the legal expenses and any covered liability judgments or settlements that could otherwise bankrupt your business.
Business Auto insurance is also often mandatory for food truck companies to obtain permits or licenses with the city government. This coverage will pay for many of the costs related to an auto accident, including bodily injury and property damage to a third party as well as damage to your own truck.
You also need Property insurance to cover your workspace, inventory and equipment (oven, broiler grill, fryer, refrigeration, freezer, exhaust hood) in the case of damage due to a fire, theft or vandalism.
Having Workers’ Compensation insurance for your employees should they become injured or ill on the job is a great safety net for businesses. It’s not mandatory in Texas, but we recommend you add this as part of your risk management program.
We’ll go to market for you and get a quote that fits your needs. We work with several companies giving you options that work for you.
When we founded Transparity Insurance Services, we were looking to do things differently. We wanted clients to have a hassle-free, positive experience when insuring their property and assets. This meant making things simple, easy and efficient with state-of-the-art technology, delivering great customer service with open and transparent communication, and putting into place the right insurance program at competitive pricing. We invite you to experience what that’s all about. Start by giving us a call at (855) 889-2037.