Operating a mobile food business exposes you to unique on-the-go risks. The essential protections include:
- General Liability – Shields you against third-party injury or property damage (like a customer slipping near your setup or damaging a customer’s device).
- Product Liability – Especially vital in food services to cover claims stemming from foodborne illness or allergic reactions.
- Commercial Property or Equipment Coverage – Protects your cart, cooking equipment, and supplies when stored or in transit.
- Workers’ Compensation – Required in most states when you have staff, including temps helping at peak events.
- Commercial Auto or Trailer Coverage – Covers liability if you’re driving a cart or trailer—and protects equipment on board.
