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It’s the peak of summer and your food truck business is booming.

After putting on your apron and writing today’s specials on the chalkboard, you flip open your concession window and see that there’s already a line of hungry customers forming.

You open the freezer to start gathering ingredients and you feel a stale, warm air. Uh oh. That can’t be good. You stick your whole arm inside and, sure enough, the freezer isn’t working.

To the average food truck owner, this situation might lead to panic.

But, you aren’t the average food trucker owner because you have insurance with Auto-Owners.

In today’s market, food trucks and trailers are a growing business. Some have a permanent address, while others choose to move locations to take advantage of pop-up events or other opportunities. Whether it’s an extension of your traditional “brick-and-mortar” restaurant or a new enterprise, these businesses are unique, which means you need coverage tailored to meet your needs.

When you think about your food truck or trailer, it’s important to remember all the coverages necessary to keep you and your business protected.

At Auto-Owners, we offer the Mobile Food Operations package, which includes multiple coverages to help you feel peace of mind.

So, how does it work?

Our Mobile Food Operations package may be written when choosing either the “catering” or “restaurant-no seating” classification. Here is a breakdown of the coverages offered in this package:

• Business Personal Property: provides coverage for property that you own, including your cooking utensils and equipment
• Business Income & Extra Expense: provides coverage that protects you against lost revenue and extra expenses you may incur while your business is being restored from a covered loss
• Equipment Breakdown: provides coverage for damage to your electrical, mechanical and pressure systems
• Food Contaminations: provides coverage for reimbursement when your business is closed by the Board of Health and coverage for expense to clean the equipment, replace the contaminated food and business income associated with a shutdown of operations
• Blanket Additional Insured: covers the managers or lessors of premise with whom you have a written or oral contract

Some additional coverages we offer include:

• Employee Dishonesty
• Money & Securities
• Electronic Data Processing Equipment

So, back to the freezer situation you found yourself in at the beginning. When a freezer or another essential appliance stops working, you could be covered with Business Income & Extra Expense coverage and Equipment Breakdown coverage. This is just one example of how our Mobile Food Operations package could take care of you if the unexpected happens. 

Auto-Owners has the experience and products you need to keep your business running. Contact your local independent agent to discuss adding the Mobile Food Operations package today.

Disclaimer: This article is not expert advice. The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the publishing of this material. Discounts may not be available in all states. Limitations and conditions may apply. Premiums will be based on benefits chosen. Please check with your local Independent Auto-Owners Insurance Agent for details.

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