Food Truck Insurance in San Diego

The number of mobile food vendor businesses has rapidly spiked in San Diego in the past few years and our company is proud to help many of them protect their booming businesses. If you are planning on starting your food truck business, it is crucial to ensure that you, your employees, your clients, and your truck are insured against any hazards that may arise. If you need assistance from expert insurance agents who have been in the market for many decades, turn to us without hesitation.

With decades of experience, Herriott & Mijailovic agents understand the unique insurance needs of mobile dining businesses, enabling us to provide certificates promptly. As we represent insurance companies like Hartford, Nationwide, Safeco, Progressive, Nationwide, and FirstComp, we can shop around for the most suitable policy for you at competitive rates. As a boutique style agency, we deliver high-quality, personalized service.

What Is Food Truck Insurance?

From Belgium’s breakfast waffles and ice cream to hearty barbeque meats and healthy vegan options, food trailers have a delicious dish for everyone’s taste buds and for every meal of the day. But running such restaurant on wheels entails taking on a certain level of risk. As a business owner, apart from the enthusiasm and dedication to succeed, you must also shield your company’s assets by purchasing insurance policy that will enable you to recover quickly in case things go wrong.

At the most basic level, food truck insurance helps you manage unpredicted risks with minimal financial losses. This way, you are able to continue operating your lunch van even after accidents like fire, theft, or liability issues arise. Adequate policy package provides financial security and peace of mind knowing that your small business has not been significantly impacted so you can keep your kitchen on wheels open.

Common Insurance Risks for Food Vans in San Diego

As your food truck falls into many different categories at the same time, it has its own set of unique risks that have to be insured. What this means is that you have to be extra careful when choosing the coverage in order not to leave any gaps. Thoroughly review your operational risks to identify major vulnerabilities. For skilled guidance and assistance, talk to our knowledgeable agents who can review your policies and provide professional advice on the best coverages to fill potential gaps.

• Operational risks – Equipment failure (grill, hood, mixer, power generator), fire, burns, cuts
• Food safety risks – Cross-contamination, allergies, foodborne illnesses, food spoilage
• Natural disasters – Wildfires, storms, flood
• Vehicle-related risks – Collisions, theft, vandalism
• Liability risks – Slips and falls, property damage, lawsuits

NOTE: All food handlers operating in San Diego County must carry either a Food Handler Card or complete a Food Handler Test. The requirements for food handling permits in San Diego County are different from requirements in the state of California. For more information visit Food Handler Program.

What Insurance Do I Need For My Food Truck Business?

When you own a mobile kitchen, you can take your business to many different locations and you don’t have to rent or own a brick-and-mortar property. Because of the unique nature of your business, you have to carry several coverages such as general liability, commercial auto, and restaurant insurance.
The most common coverages for mobile kitchen businesses are listed below.

Simple Ways To Cut Insurance Cost Down

There are several ways to lower your premium cost and they include:

• Regular annual risk assessment review to determine whether any changes can be made to reduce the cost
• Consult with an agent to make sure your current policy is of suitable size for your business
• Check if you qualify for multi-policy discount
• Bundle several policies together

Call (619) 296-0005 For Best Food Truck Insurance in San Diego

Whether you’re selling pretzels at local fairs, or fruit smoothies on the plaza, we know how important it is to safeguard your small enterprise. Enjoy the benefits of your kitchen on wheels and let H&M shield you for unpredicted hazards. With decades of professional experience in delivering customized policies, we have been recognized as trustworthy and reliably by many owners in the food industry sector in San Diego. If you need professional assistance and advice, feel free to give us a call. We will gladly help your business thrive.