A food truck is required to carry auto insurance, but commercial insurance is actually not legally mandated. It’s not always wise to run a business without any commercial insurance, but you are not legally required to carry commercial insurance.

Sounds great, but let’s consider the liability concerns that go into running a food truck. What happens if your fridge goes out, your food spoils, and you unknowingly give someone food poisoning? What if someone turns out to be allergic to one of your ingredients? What if you’re in an accident and the other party has a creative lawyer who chooses not to settle for your auto insurer’s payout and wants to go after your business?

It all comes down to liability, and a food truck invites more liability than you want to cover out of pocket.

It is also worth considering that not all auto insurers will cover something like a food truck. This means that, while your truck might not be legally required to carry commercial insurance, that may wind up being your only option all the same.

Put simply: You are not required to carry commercial insurance for any business, but going without insurance on a food truck is just asking for trouble. Sooner or later, something will go wrong, and you don’t want to lose your business as a result. Insurance is, after all, there to protect you from these things.

If you run a food truck feeding the hungry people of Boca Raton, FL, give Coastal Premier Insurance Group a call. Boca Raton, FL has a thriving food truck scene so Coastal Premier Insurance Group knows just what you’re looking for in a commercial insurance company.