Food truck insurance for a kitchen that moves.

Mobile food businesses fall between the categories most insurance is written around. The truck is a vehicle, the equipment inside it is a commercial kitchen with propane and hot oil, and the operation happens on other people's property — at events, breweries and private bookings that almost always require a certificate before you can pitch.

Three policies, not one

Commercial auto covers the truck while it is driven. General liability covers a customer who is injured or made ill. Property or inland marine cover handles the cooking equipment, generator and stock. A gap in any one of them is a gap in the business.

Crucially, most commercial auto policies stop covering the operation once you are parked and trading. The moment the serving window opens you are relying on general liability, and a policy that only covers the vehicle leaves the trading hours uninsured.

Event certificates and additional insured

Festivals, breweries, corporate bookings and private venues will almost always require a certificate naming them as additional insured before they confirm your pitch. Requirements vary and some ask for limits above what a basic policy provides.

We can issue these quickly, but the useful step is telling us what your typical bookings require so the policy is written to satisfy them from the start rather than being endorsed one event at a time.