Duxbury & Ray Insurance
Food Truck Insurance
Is your mobile food service business protected?
• Barbecue truck/trailer operator
• Coffee/donut cart operator
• Food/beverage cart operator
• Food truck/trailer operator
• Hot dog cart operator
• Ice cream truck operator
• Ice cream/snow cone/shaved ice cart operator
• Lemonade cart operator
• Mobile food concessions
• Mobile food services
• Mobile food vending services
• Mobile kitchen operator
• Mobile street food vendor
• Snack truck operator
TAILORED COVERAGE FOR MOBILE FOOD SERVICES
GENERAL LIABILITY (GL)
Protects your business from a third party’s claims of bodily injury,
property damage, and personal injury like slander and libel.
BUSINESS PERSONAL PROPERTY COVERAGE (BPP)
Available as an add-on to a GL policy, Business Personal Property
Coverage covers accidental damage to your personal business
property on premises (e.g. computers, printers, tablets, and office
furniture). Coverage is also provided for property off-premises, such
as laptops, mobile phones, tools and other equipment.
Why insure your business through Duxbury & Ray and Hiscox Insurance Company?
Experts in small business
The only insurer to specialize in small business
100 years of experience
Origins dating back to 1901
Flexible payment options
Pay monthly or annually
Ready to get started?
HERE’S SOME INFORMATION THAT YOU’LL NEED
✓✓ Business location, including the physical address, whether you own or
rent the location, and square footage
✓✓ Number of employees, now and anticipated over the next year. Include
full‑time, part‑time and temporary employees
✓✓ Estimated gross sales for the next 12 months, and estimated gross
sales from your largest single customer
✓✓ Estimated payroll expense for the next 12 months
✓✓ I f your business uses a written contract, have an
There will be additional questions, depending on your answers to
these and the type of business you have.
MOBILE FOOD OPERATION CLAIM SCENARIOS
GL CLAIM EXAMPLES
Third-party property damage: A grease fire that originates from
the kitchen in your food truck causes damage to a neighboring
property. General liability insurance protects you against third-party
claims of property damage and would cover the cost to fix it.
Bodily injury: A customer trips over an extension cord running from
your food truck and falls, hitting their head on the pavement. The
customer sustains a concussion and is taken to the hospital. General
liability insurance protects you against third-party claims of bodily
injury, associated medical costs, and potential legal action.
Common risks for mobile food services
• Bodily injury
• Defamation, libel, slander
• Medical expenses
• Third-party property damage
One in 45 small business owners experience a claim.
Visit Food Truck Insurance RI
Underwritten by Hiscox Insurance Company Inc. (HICI), a Chicago based insurance company. Copyright © 2019 Hiscox Inc. All rights reserved.