Food truck insurance
Protect your business on wheels
Running a food truck in Montana is an exciting way to bring delicious meals to hungry customers, but have you thought about what would happen if something went wrong? Whether it’s a sudden grease fire, a customer slipping near your truck, or equipment breaking down unexpectedly, **food truck insurance** is essential for keeping your mobile restaurant protected.
At Cogswell Insurance Agency, we specialize in **business insurance** tailored to food truck owners. Whether you’re just starting out or already established, we can help ensure that one bad day doesn’t put your entire business at risk.
What does food truck insurance cover?
Every food truck business is different, so your policy should be tailored to your unique needs. Here are some of the most common types of coverage:
- Commercial Auto Insurance: Covers accidents, damage, and liability while driving your food truck.
- General Liability: Protects against customer injuries, property damage, and legal costs.
- Business Property Insurance: Helps replace or repair damaged cooking equipment, freezers, and other gear.
- Food Contamination Insurance: Covers food spoilage due to power outages or refrigeration failure.
- Workers’ Compensation: Provides protection for employees in case of job-related injuries.
- Loss of Income: Coverage Helps cover lost revenue if your truck is out of service due to covered events.
How much does food truck insurance cost?
The cost of food truck insurance depends on several factors, including the value of your truck, the type of food you serve, and how often you’re on the road. On average, policies range from **$2,000 to $5,000 per year**, but every business is different.
What does food truck insurance cover?
Vehicle accidents
A driver rear-ends your food truck on the way to an event.
Kitchen fires
Covers furniture, electronics, clothing, and other belongings against covered perils.
Customer injury
A customer slips on a spill near your truck and sues for medical expenses.
Protect your business today
Food truck owners work hard to bring delicious food to the streets, but without the right insurance, a single incident could put everything at risk. Don’t wait until it’s too late—protect your business with a customized food truck insurance policy from Cogswell Insurance Agency. Call us at 406-761-5000 or request a free quote online today!
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