Some Of The Most Common And Unusual Food Truck Insurance Claims From Insure My Food Truck

Every food truck needs insurance.

There are obvious reasons why insurance is necessary, such as auto accidents, fires and food-related illness, but you might be surprised at what some of the most common and most outrageous food truck claims are…

Insure My Food Truck has a gourmet food truck insurance program in most states. We have approximately 900 truck and trailer clients from coast to coast, so we see all types of claims coming in.

Here Are Some Of The Most Common And Minor Claims We Have Seen

RELATED: The Benefits Of Owning A Food Truck Over A Sit-Down Restaurant From A Business Standpoint. From a business perspective, there are plenty of reasons to launch a food truck over a sit-down restaurant.

Nashville, TN

A gourmet food truck was at one of its routine spots. Its new and very expensive generator sucked up plastic, which caused the generator to fail. We paid for the repairs of the generator and the loss of income while the repairs were made. $3,316 was paid in damages.

Los Angeles, CA

A gourmet ice cream truck had its biggest job of the summer for a large outdoor concert. The owner needed to rent a refrigerated van to store extra inventory that couldn’t fit on the truck. The rental van’s compressor went out. This caused a loss in inventory and a loss of income due to not being able to finish the sales. Our policy paid $9,629.

Hays, KSInsurance

A food truck was leaving its venue. The people running the truck didn’t realize they forgot to close their service window. As they were leaving, the window struck a pole and ripped it off. The jolt to the truck caused a mixer inside to fall and was unrepairable. $3,521 was paid for the repair to the window and replacement of the mixer.

You May Also Like...  The Importance Of Having A Website For Your Food Truck Business

Though these are considered minor claims, if not covered, that’s a few thousand dollars straight out of your pocket, plus the added time and stress to deal with the problem on your own.

Here Are Some Of The Most Unusual And Largest Claims We Have Seen — Real Examples

Houston, TX

It was the first day of business for our new and excited client. They were taking their newly built food truck out on a job. As they got on the freeway, the engine caught fire. The fire overtook the truck within minutes. The fire department arrived, but was unable to extinguish the fire before it was engulfed. The truck was totaled, making it the worst first day of business for a food truck. Our policy paid $52,774 for the truck and loss of potential income.

Austin, TX

Our client’s truck was at a body shop for repairs. The truck was stolen overnight and the thieves ran it off a cliff causing total damage. No responsible party was found. Our policy paid for the replacement of the food truck. $37,767 was paid in damages, which included the loss of income during the time a new vehicle was being replaced.

RELATED: Reasons Why Food Truck Business Owners Should Add Catering To The Mix. If you are a food truck owner and don’t cater, then you are missing out on a great source of income.

Denver, CO

A client’s truck was at a mechanic’s shop. While working on the generator, a fire erupted. The food truck — along with most of the shop — was destroyed. Our policy paid $70,977 for the truck and loss of income.

You May Also Like...  How to Start a Food Truck 16: Get Insurance

It is quite surprising that many of our large claims were not the fault of our clients, but rather the claims happened while the truck was under another person’s care…

Many times our clients assume that the shop they take their truck to has coverage. This is clearly not always the case. It’s important to trust who you leave your food truck with and ask about their current insurance. It’s also important to check with your insurance provider to see if their policy will cover damages while the vehicle is not in your control.Insurance

Here’s another thing that is surprising: Since we started writing food trucks in 2011, we have never taken a food illness claim! People constantly ask me about any foodborne illness claims and I’m proud to report that we have never received one. That is a testament to how clean gourmet food trucks really are and how some of the public continues to question the cleanliness of food trucks despite all the progress in the industry.

Though we hate to hear when a client suffers a loss, we love to help them during the process as we understand that food truck operators need to get back on the road to keep their business thriving.

If you have any questions about claims or insurance coverage, please don’t hesitate to ask!

To dig your teeth into what FoodTruckr has to offer, make sure to like us on Facebook and follow us on Twitter, and also make sure to check out more content that we bring to the table.

Recently on FoodTruckr

The No. 1 Thing Food Truck Owners Should Consider Doing In 2017 How are you planning on achieving your goals in 2017, food truck owners? Sure, there is still some time left in 2016, which means you might still be trying to figure out what you want to accomplish...
How to Run a Food Truck 02: Practice Plating and Presentation In last week’s “How to Run a Food Truck” lesson, we helped you establish what your new employees need to learn and went over some of the best training strategies to ramp up your team for success. This...
Powerful Quotes Food Truck Owners Should Follow Every Day Everyone could use a spoonful of inspiration from time to time, and that is exactly what we are here for. Today, we will be providing powerful quotes, and food truck owners should follow said powerful...
Barroluco Argentine Comfort Food Is Bringing Delicious Argentine Dishes To The Food Truck Industry The food truck industry is an amazing industry for so many different reasons. If you are a food lover, then this industry is second-to-none thanks to the great meals that are served up on a daily basi...
3 Things That Will Make Or Break Your Food Truck Business As a food truck business owner, you have a lot on your plate (metaphorically and literally). You are not only a chef, but you are likely managing an employee or two on top of that. Plus, you have t...
Food Truck Goals Every Mobile Kitchen Owner Should Focus On In 2017 Editor’s Note: Today we’re excited to present a post from Jeremy Adams. Jeremy is the President/CEO of Prestige Food Trucks, which is the world's leading custom food truck manufacturer. In his current...
How Do Mobile Apps Actually Help Food And Catering Industries? Editor’s Note: Today we’re excited to present a guest post from Ashni Sharma. Ashni is currently working with AppsChopper as a mobile developer. Having extensive knowledge about apps and a flair for w...
#FoodTruckFan: Guilty Pleasures What's your guilty pleasure? Mine's a grilled cheese sandwich: bread grilled until it's dark and crunchy, cheese that's impossibly melty, a bit of melted butter on my fingers. As a child, the grill...
How To Start A Mobile Street Food Business On A Small Budget Editor’s Note: Today we’re excited to present a post from Alyssa Johnson. Alyssa is currently working as a freelance writer for https://essayvikings.com/. Her lifestyle credo is "A satisfied customer ...
Characteristics Of Successful Entrepreneurs That Food Truck Owners Should Adopt If you own a food truck, then you are literally an owner of a small business. Therefore, you can think of yourself as an entrepreneur. Entrepreneurs have more than one stream of income, and if you ...
Great Practices Your Food Truck Should Incorporate During The Slow Season With fall almost here, the temperatures are going to start dropping. If you live in a colder climate, then this could mean bad news if you are a food truck owner. If you live in a place like Southern ...
FS004- Best Practices for Sharing Your Location and Using Social Media with Matt Berkland from Truck... In this episode of FoodTruckr School, we talk with Matt Berkland from Truckily.com about best practices and tips for sharing your location on social media. How often do you share your location...
This Food Truck Business Marketing Video Provides Excellent Tips For Growth Life in the food truck industry can be very troublesome from time to time. While some people might think it is a get-rich-quick scheme, others -- you know, the folks who have actually started their ow...
FoodTrucker Heroes: Where Ya At Matt From their tasty, lovingly homemade ingredients to their easy-to-follow location updates, some food trucks just get it. This week’s FoodTruckr Hero—Where Ya At Matt—is one of those trucks. Where Ya...
How Entrepreneurs Can Branch Out In The Food Truck Industry There are many ways to take your food truck business to the next level in the food truck industry. This is something that all entrepreneurs strive for. Getting the business up and running is the initi...

About the Author

You found me! My name is Denny Christner. Although I have been in insurance for 15 years, I'm nacho typical insurance agent. I focus on food businesses including mobile food vendors, caterers, restaurants and artisan food manufacturers. I LOVE food and the food community. Life is too short to not be passionate about life and your career! That's why you do what you do, right? My goal is to help protect, promote and grow your mobile food business. When not working tirelessly on protecting the food community i can be found enjoying the beautiful Bay Area with my family. See you in the streets!

Love it? Share it: Share on Facebook Share on Twitter