Commercial Auto for Concessionaires

A food truck is simultaneously a vehicle and a business location — and those two functions create two separate insurance needs. Commercial auto insurance covers your food truck while it's being driven: liability for accidents you cause on the road, physical damage to your truck from collisions and covered perils, and uninsured motorist protection. When your food truck is parked and you're serving customers, general liability takes over.

Trailer coverage is essential for many concessionaires who tow their concession units to events. Trailers need to be specifically scheduled on your commercial auto policy to be covered. Both liability coverage (if your trailer causes an accident while being towed) and physical damage coverage (for the trailer itself) should be included. An unscheduled trailer creates significant gaps in your coverage.

Hired and non-owned auto coverage extends your policy to cover vehicles you don't own but use for business. If you rent a truck to transport equipment, or if an employee uses their personal vehicle on your behalf, hired and non-owned auto provides the business liability protection your standard commercial auto policy may not extend to those vehicles.

Equipment in transit coverage under commercial auto or inland marine protects your supplies and equipment while they're being transported. High-value equipment — generators, cooking equipment, display systems — represents significant investment. Coverage while in transit ensures that an accident on the way to an event doesn't leave you with a total loss.

Multi-state commercial auto coverage is important for vendors who travel to events in different states. Insurance requirements for commercial vehicles vary by state. Working with a specialist who understands interstate commerce and multi-state vendor operations ensures your coverage is compliant wherever your truck takes you.