• Duxbury & Ray Insurance

Food Truck Insurance

Is your mobile food service business protected?


ELIGIBLE OPERATIONS


• 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.







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© 2019 by Duxbury & Ray Insurance Agency, Inc. Proudly created by staff.