A food truck or catering operation carries most of the same exposures as a brick-and-mortar restaurant — foodborne illness, equipment breakdown, employee injury — but adds a mobile or off-site dimension that a fixed kitchen doesn’t have.
Coverage differences to plan for:
- Commercial auto insurance is required for the truck itself, not just the equipment inside it, since it’s a business vehicle on public roads.
- Liability limits often need to satisfy a venue’s or event organizer’s certificate of insurance requirements, which can exceed standard restaurant minimums.
- Equipment coverage has to account for cooking equipment mounted inside a moving vehicle, a different property risk than a stationary kitchen.
- Liquor liability still applies if the operation serves alcohol at catered events, even without a fixed liquor license location.
How Liberty structures your protection: Liberty builds food truck and catering programs around the vehicle, the event schedule, and the venues involved, including same-day certificates of insurance when an event organizer requires proof of coverage before service.