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Food Truck Insurance

You rely on your food truck for more than just a means of transportation to your job—you need it to run the business, too, and that makes it vital to ensure that your truck has the coverage it needs if something goes wrong.

Food trucks are one of the most unique risks to insure because they occupy many insurance categories simultaneously, and different trucks often serve different purposes. Since food truck insurance is still new market, our agents are doubly careful when listening to what you're actually doing and looking for the policy (or set of policies) that can provide you with the best possible coverage.

In addition to covering everyone who works inside the vehicle, most companies in need of food truck insurance require some form of restaurant insurance and commercial auto insurance as well.

Restaurant Insurance as Part of a Food Truck Insurance Package

Many states consider food trucks to be a form of restaurant, which affects everything from what safety regulations they must follow to how and where they must register in order to do business. Additionally, as a mobile business, food trucks often have to contend with different restrictions in their different service areas. All of the legal aspects of owning a food truck ultimately mean that it's important to have the right insurance as a restaurant and be able to handle any claims that come up for issues like sanitation and how safe it is to move in and around the vehicle.

Commercial Auto Insurance That Protects Your Food Truck

Food trucks also need to acquire commercial auto insurance to help protect against problems like theft, fire, electrical hazards, and vehicle breakdown. Standard vehicle insurance is not sufficient when a truck is being used for commercial purposes.

As the owner of a food truck, you know just how hard it is to keep your business running. Your goal is to protect your business as much as possible while keeping your expenses manageable, and Mid-America Specialty Markets agents keep that in mind when they work with you to find the policy that best matches your needs. Don't hesitate to ask about other options or how much insurance you actually need—you might be surprised by how much you could save.

 

1. "The Legal Side of Owning a Food Truck." Entrepreneur. 2015. Accessed April 12, 2016. https://www.entrepreneur.com/article/233386.

2. Marshall, Tiffany. "7 Challenges Food Truck Owners Must Overcome." Bindo POS. 2015. Accessed April 14, 2016. https://bindopos.com/blog/7-challenges-food-truck-owners-must-overcome/.

Our Locations

MASM / Columbia

2800 Forum Blvd, STE 4B
Columbia, MO 65203
Main office: 573-447-4990

*MASM / O'Fallon

1656 Bryan Rd
O'Fallon, MO 63368
Main office: 636-978-3696
Toll free: 888-978-3696

MASM / Springfield

330 W Plainview Rd, STE F
Springfield, MO 65810
Main office: 417-865-1558

MASM / Clever

6809 State Highway 14 W, Ste F
Clever, MO 65631
Main office: 417-743-2288
Toll free: 888-978-3696

MASM / Joplin

1401 E 7th St, Ste B
Joplin, MO 64801
Main office: 417-553-0692

MASM / Lamar

128 W 10th St
Lamar, MO 64759
Main office: 417-682-3131

MASM / Neosho

613 W Coler St
Neosho, MO 64850
Main office: 417-451-9177

MASM / Nixa

204 Village Center St. Suite 7
Nixa, MO 65714
Main office: 417-595-4430

MASM / Seneca

908 Washington Ave
Seneca, MO 64865
Main office: 417-776-5433

MASM / Shawnee, KS

6208 Richards Dr
Shawnee, KS 66216
Main office: 913-322-3388

Testimonials

I've been with Estal Insurance and Nationwide for over 10 years now, and I've had nothing but good experiences with them. Recently, my stepdaughter was in a serious motor vehicle accident, and both Nationwide and the Estal Agency have been very helpful throughout the process. I highly recommend their office.
kmh314 From St. Charles, MO
My family has been a customer of Estal Insurance for over 10 years. Renters and Auto Policies in our 20's. Home, Auto, and Life Policies in our 30's. The rates are always fair and the service is excellent! Matt is more than willing to offer suggestions on how to get the best value for our budget while making sure we are protected with the appropriate limits. Whenever we have had any claims over the years, they always go the extra mile to make sure we are taken care of. And they offer free towing AND roadside assistance! My family and I feel fortunate to work with the entire Estal team. They are practically like family to us! We would recommend them to anyone who is looking for insurance.
Anonymous From St. Louis, MO
Matt has taken care of my family's insurance needs for some time now. Home, auto and life insurance are not an area of stress in my life because I know I have everything covered! I would definitely recommend this agency!! Extremely thorough and dependable!
JenS40 From O'Fallon, MO
Estal insurance can assist fully with all business insurance needs. They are always accommodating to our growing business insurance needs and they are very responsive
Estipes From Saint Charles, MO