Operations this guide may include
- Mobile cooking and counter service
- Catering and private events
- Festivals, markets, and temporary locations
- Commissary or shared-kitchen preparation
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- Is cooking performed with propane, fryers, or open flame?
- Is the unit a truck, trailer, or both?
- Where is food prepared and stored?
- Do events or landlords require additional insured status?
Coverage topics to discuss
Commercial auto
Coverage considerations for the powered vehicle and its road use.
General and product liability
Customer injuries, premises-like exposures, and food-related claims.
Business property
Cooking equipment, inventory, point-of-sale equipment, and other business contents.
Equipment breakdown and spoilage
Potential loss scenarios involving refrigeration or essential equipment.
Information worth preparing
- Vehicle or trailer details and values
- Menu and cooking methods
- Annual sales and payroll
- Event, commissary, and overnight-storage information
This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.