Summer insurance essentials for mobile food truck owners

Mobile food trucks have become a staple of the Aussie food scene. Summer is peak season for food truck catering, whether you own a mobile coffee cart or a gourmet pizza food truck. However, with the increase in business also comes certain risks.

If you’re a food truck owner, then now is the time to review and update your insurance to make sure that nothing slows you down during the hectic summer months.

Key risks faced by food truck owners
Operating a food truck comes with its own unique challenges and risks, especially during the busy Aussie summer trading period:

Operational risks: Food trucks rely on equipment like grills, fryers and fridges. A breakdown during peak season could put a complete halt to your business – not to mention the cost to repair or replace broken equipment.
Environmental risks: Summer weather can bring extremely high temperatures, and a heatwave may spoil food or overheat equipment.
Liability risks: Customer safety is always the number one concern for hospitality businesses. But accidents like slips, falls or foodborne illnesses do happen, and can result in costly public claims.

Choosing the right insurance for your business
If it’s been a while since you’ve reviewed or updated your insurance, then now is the time to do it. Here are just some of the common types of business insurance food truck owners may want to consider.

Public liability insurance
Public liability insurance is there to help protect your business from third party claims when someone has sustained an injury or property damage because of your negligent business practices – such as a customer tripping over an unsecured cable.

Chances are you already have public liability insurance, but is your policy still current? A valid public liability insurance policy may be required for certain events and public spaces. Regularly reviewing your policy means that it won’t lapse and you could save money, too.

Product liability insurance
Product liability insurance protects your business against claims by third parties relating to property damage or personal injury caused by your products. For food truck owners, this could refer to selling contaminated products that give a customer food poisoning.

Machinery breakdown insurance
What would happen to your business if your food prep equipment was to suddenly quit working? Machinery breakdown insurance covers the cost of repairing or replacing specified machinery following an unexpected breakdown. This could help you to get back up and running so lost revenue is kept to a minimum during peak season.

Compare business insurance online with BizCover
Running a mobile food truck business is no easy thing. BizCover understands that small business owners are often run off their feet, especially during peak season. That’s why they’ve made it quick, easy and convenient for you to quote and purchase business insurance on the go.

Compare multiple quotes online with BizCover and find out how much you could save.

This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.