Food Truck Owners Bring Flavor to the Streets—Utica First Brings Its BOP to Protect It All
Food truck season is just around the corner. As spring brings warmer temperatures, people will be eager to leave their winter hiding spots in search of mouth-watering street fare. From festivals and concerts in the park to farmer markets and city centers, food truck owners will be rolling up to curbs with a variety of flavorful menus. Whether classic fare like hot dogs and burgers, cultural favorites like Korean BBQ and Thai, or gourmet offerings like lobster rolls, all food trucks carry risks.
Food Truck Risks
For entrepreneurs, food trucks offer an exciting way to launch a food business without the overhead of a traditional restaurant. However, with a mobile kitchen comes unique risks such as kitchen fires, equipment failure, theft, property damage, and bodily injury. Insuring these business investments with the right amount of coverage is the secret sauce to ensuring a successful business. Utica First can provide protection every mile of the way.
Food Service Business Owners Policy (BOP)
Either as a stand-alone Utica First Food Service BOP or as an endorsement to an existing BOP on a restaurant, Utica First is here to help. We understand the unique nature of food truck businesses and have the expertise to insure and protect them, which gives food truck owners the peace of mind to stay focused on what they do best—serve their customers and grow their businesses. But what do food truck owners need to know before determining if our coverage is the right fit for their food truck?
What Food Truck Owners Need to Know
- Almost any type of food truck is eligible, with the exception of smokers and wood-fired cooking food trucks. We will allow pizza ovens!
- Signing up for our food truck policy is simple. We’ll need to understand a little about daily operations and types of service. We will also need the make, model, year, and VIN of the truck.
- If food truck owners already have a food truck business or are considering opening one, please know that stand-alone food trucks must be in operation at least nine months of the year to qualify, unless we already write the restaurant.
- Rating is simple! We base it on a minimum of 100 square feet, along with the actual sales.
- If the truck has a grill or fryer on board, it must also have a Class K fire extinguisher.
- Almost any type of food truck is eligible, with the exception of smokers and wood-fired cooking food trucks.
- If we also write insurance on a restaurant for the food truck owner, this policy will also cover liability as a restaurant while the food truck is parked and operating for business.
- Commercial Umbrella available up to $5 million.
- Blanket additional insured coverage available at the insured’s request.
What’s Covered
Utica First’s Food Truck BOP coverage includes:
- Business Property Insurance
- Helps protect the physical locations that the business owners own or lease, as well as property such as fixtures, equipment, and inventory.
- General Liability Insurance
- Helps protect businesses from loss of tools to property damage and advertising injury, should it occur as a result of business operations.
- Business Income Insurance
- Helps replace lost income when business owners are unable to conduct business due to a covered property loss, like a fire.
We’re Committed to You
At Utica First, our policy is putting you first. We believe in the power of teamwork and the strength of our dedicated agents and broker partners. The Utica First team is known for our character and integrity, going above and beyond for our agents and broker partners. We are here to make your life easier and support your customers and overall success. If you have food truck customers in the states of New York, New Jersey, Connecticut, Pennsylvania, Ohio, Maryland, Virginia, or Massachusetts, click here to learn more about our Food Service BOP.
