How To Insure Your Mobile Food Vendor Trailer

by | Jan 25, 2014 | Insurance 101, Food Trailers, Food Truck Insurance, Food Trucks | 0 comments

Food Trailer Property Coverage.jpg

How to insure your mobile food vendor trailer

What is Property Coverage for your food trailer?

Property coverage for your trailer protects against damage or loss to your trailer and the attached equipment or built in equipment.

Why Property Coverage for your trailer?

The most common types of losses covered are

  • Theft or Vandalism
  • Collision damage
  • Wind and Hail
  • Fire
  • Lighting

Common mistakes:

The most insurance policies only cover your property at the main location, unless you have a special type of property policy called an inland marine policy. An inland marine policy is designed to cover property that moves.

Not insuring the full value of your trailer. You must insure to value to make sure the insurance company will fully reimburse you if a claim occurs.

Including coverage for items not attached to the trailer. These items should be covered under a separate coverage for contents.

Endorsing your personal auto policy with the trailer. At best these policies do not cover your contents in the trailer and at worst exclude coverage because of the business use of the trailer

About Insure My Food

Joel Paprocki is a founding member of the local Austin Food Trailer Chamber and passionate supporter of food vendors. He started the Paprocki Insurance Agency in 2004, is a Certified Insurance Counselor, and a Charter Property and Casualty Underwriter.

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