Food Truck Insurance in Vermont

T.S. Peck Insurance
Food Truck Insurance Vermont

What is Food Truck Insurance?

Owning a food truck can be a fun and rewarding business. Like many business ventures, however, it comes with a certain level of risk. Food truck insurance policies help food trucks located in Vermont protect themselves from a variety of risks that they face.

Food truck insurance policies are specialized commercial policies that uniquely meet the needs of food trucks and similar businesses. In order to protect these businesses from multiple risks, most policies come as package policies that have several coverages within them.

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Client Testimonials

“I just wanted to take a moment to let you know how great I think Caroline Collins is. – Every time I call to update my policy(and I have updated it a lot over the years) Caroline has been nothing but amazing to deal with. She takes care of all my needs in real time which is amazing. She is very personable, always respectful, extremely knowledgeable, and just all around awesome to deal with. I truly enjoy dealing with her and think she is a huge asset to your business from where I sit.”

Jason C.

“Friendly and prompt – I have been with T.S Peck for many years and have no complaints with their trusted service. They have always taken a friendly approach to their craft and are always willing to answer all of my questions!”

John S.

“We Contacted T.S Peck Insurance to inquire about auto insurance/ After with with Jake, we explored combining our auto and home insurance, in turn realizing a big savings.”

Lary P.
“When I called for a quote, my agent was personable and helpful. He always got back to me quickly with answers, which is extremely important. The entire process was handled in a timely manner and was able to meet my expectations and beyond.”
Dayne D.
“Jake Hynes and the folks at T.S. Peck have been awesome to work with! As a recent start-up, we were new to the “buying business insurance” scene. One phone call and all our concerns were laid to rest. The service has been great and the prices are very competitive. We recently price shopped again and found we were still in the best hands!”
Scott L.
Food Truck Insurance Vermont

What Businesses in Vermont is Food Cart Insurance Right For?

In general, most Vermont businesses that sell food and/or beverage items from a mobile unit should consider purchasing food cart insurance. Some examples of such businesses include:

  • Gourmet food trucks
  • Ice cream trucks and bicycles
  • Hot dog and hamburger carts
  • Festival concessionaires
  • Restaurants with food trucks

Businesses that don’t know whether this or another form of commercial interest best meets their needs can get advice from an insurance agent who’s familiar with these policies. An agent who knows food truck policies will also know what other commercial policies are similar, and they’ll be able to provide guidance as to what type of policy best suits a business’ particular situation.

What Coverages Do Food Cart Insurance Policies Make Available?

While most food cart insurance policies come with multiple coverages, the exact coverages included in them can vary. Some coverages that a policy might make available are:

There are still more coverages that a policy can come with.

Do Mobile Food Vendors Need Food Cart Insurance with Commercial Vehicle Coverage?

Most mobile food vendors that serve customers from a commercial truck or trailer need commercial vehicle coverage for when they move their vehicle or trailer. Commercial vehicles normally aren’t covered by personal car insurance policies, and some personal policies might not even cover using a personal vehicle to tow a business’ trailer.

Most vendors who serve from a small cart that’s moved manually or a bicycle don’t have to carry commercial vehicle coverage, but there are many other coverages they’ll likely want.

Food Truck Insurance Vermont

Are Food Truck Policies Expensive?

Premiums for food truck policies vary because they’re based on many different factors, but these policies tend to still be quite affordable. Some of the items that can influence a policy’s cost include the:

  • Location where a vendor serves customers
  • Number of customers a vendor serves
  • Kind of menu items a vendor offers
  • Kind of truck, cart, bike or trailer a vendor uses
  • Coverages and limits a vendor selects

An independent insurance agent can help vendors find out exactly how much a policy that meets their needs will cost. Whereas other agents are often obligated to only show quotes from a single insurance company, independent agents can get food truck owners quotes from multiple insurance companies. This makes comparing different policies’ premiums and selecting the best available option quick and easy.

How Can Food Trucks in Vermont Get Food Truck Insurance?

For help finding food truck insurance, contact the independent insurance agents at T.S. Peck Insurance. Our agents have worked with many food trucks and food carts in Vermont, and we’d be happy to assist you.

Get in touch with our team!

T.S. Peck Insurance

For questions or concerns, please contact our independent insurance agents.

Office: 41 IDX Drive, Suite 135
South Burlington, VT 05403

Office: 158 Lake St,
St Albans, VT 05478