Commercial Insurance for Your Food Truck Business

Running a food truck in South Carolina can be an exciting way to bring great food directly to your customers. But like any business, operating a food truck comes with risks. Having the right commercial insurance coverage is essential to protect your investment, employees and customers—and to comply with state and local regulations.

What Insurance Do Food Truck Owners Need?

Food truck businesses face unique risks compared to traditional brick-and-mortar restaurants. In South Carolina, the right insurance coverage typically includes the following:

• Commercial auto insurance—Since your food truck is a vehicle and a business in one, you need commercial auto insurance. This may cover accidents, property damage and liability claims involving your truck.
• General liability insurance—This may protect you if a customer gets hurt near your truck or claims your food caused an illness.
• Property insurance—Coverage for your cooking equipment, inventory, and supplies may be included under your commercial auto policy or a separate inland marine policy, depending on how your insurer structures it. This coverage can help protect against fire, theft, vandalism and other perils.
• Workers’ compensation insurance—If you have employees, South Carolina law generally requires you to carry workers’ compensation insurance to cover workplace injuries.
• Business interruption insurance—If your truck is inoperable and you can’t serve food, this coverage may help replace lost income. Not all commercial auto or property policies include this coverage by default, so be sure to ask your agent if it’s available.

Some cities and counties in South Carolina may also require proof of certain insurance policies before issuing a food truck permit. It’s important to understand the specific requirements wherever you plan to do business.

Keep Your Food Truck Rolling Safely

A strong insurance plan can help you stay focused on growing your food truck business without worrying about unexpected financial setbacks. Universal Solutions Ins Agency can help South Carolina entrepreneurs find the right coverage for their unique needs. Contact us today for a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.