Food trucks are a popular dining option for people on the go, those seeking good food and fast service, and employees with limited lunchtime. For owners of these mobile eateries, having the appropriate insurance is essential. At Gantt Agency, serving Farmville, VA, our agents can provide the information you need to protect your business.
Does the State of Virginia Require Restaurant Insurance for Food Trucks?
Virginia has insurance coverage requirements for both brick-and-mortar restaurants and motorized food trucks.
For food trucks, the basic requirements include commercial auto insurance and workers’ compensation insurance.
Commercial Auto Insurance
Like any motorized vehicle, your food truck may use roadways at some point. In Virginia, commercial auto insurance is required in case your food truck is involved in an accident that results in damage or medical costs. Our agents can provide information about the minimum requirements for general liability coverage.
Workers’ Compensation Insurance
Whether your food truck operates full-time, part-time, or seasonally, if you have employees working with you, workers’ compensation insurance is necessary. This coverage provides protection for employees who are injured while performing their duties at work.
Property Insurance
Property insurance is worth considering to protect your appliances and equipment in case they are damaged or stolen.
Business Income or Interruption Insurance
Unexpected situations, such as natural disasters, can shut down your business. If the issue is a covered event, business income or interruption insurance can help with unforeseen operating expenses, extra costs, payroll, and loss of income.
Contact Us
For food truck businesses operating in Farmville, VA, our team at Gantt Agency is here to ensure you have the coverage you need and provide options to protect your business. Contact us today to learn more.