Professional insurance for food truck manager

Professional insurance for food truck manager

In the four corners of the world, we find the famous food trucks. In France, this phenomenon appeared in 2011. Between traditional food trucks and ice cream trucks, there are also chip stalls. These stand out from street food by their layout. If you want to open a food truck, you must find out about the insurance to take out!
The food truck phenomenon

For the record, it was in 1872 in the United States that the first food truck was designed. It was then a cart driven by horses and including a window. Today, this phenomenon can be found all over the planet. In France, there are more than 350 food trucks. For those looking for a flexible activity opening a food truck may be the solution. However, be aware that profitability for this activity can sometimes be difficult to achieve.
Professional liability insurance

Anyone who sells processed products to the public is exposed to many risks. In the event of damage, your civil liability will be engaged, whether it is caused by you, by your employees or by a parent who comes to help you occasionally. Indeed, according to article 1382 of the Civil Code, you must repair the damage you cause to others.

By subscribing to a “professional activity” civil liability guarantee, you will be able to cover your civil liability. This insurance contract generally comes in two forms: the operating civil liability guarantee which offers you coverage in the event of bodily injury and material damage caused to third parties and the professional civil liability guarantee which covers you in the event of damage caused by the products sold. or delivered.
How to insure products intended for sale?

When purchasing professional liability insurance, make it clear that you own a food truck and that you must therefore cover the risks associated with food. Your insurance contract must be able to cover food poisoning. Sales product insurance is essential if you are marketing risky products such as meat and fish.
Professional multi-risk insurance

To get back to business as quickly as possible after a loss, there's nothing like professional property and casualty insurance. This insurance contract covers business premises, equipment, goods and civil liability. It automatically covers theft, water damage and fire. It may include other optional guarantees such as business interruption and legal protection. If you choose this contract, you will not have to take out any other contracts. You will benefit from optimal coverage with a single contract.
Insurance for your professional vehicle

As the food truck is a truck serving as a room and a workplace, it must be the subject of specific insurance. It is compulsory to take out professional vehicle insurance or truck insurance. We are talking about insurance that can cover damage caused to third parties, whether bodily or material. When taking out this insurance, remember to check that it covers any damage that could be caused to you, such as in a road accident where the other person involved is at fault, for example.

For optimal protection, it is advisable to opt for comprehensive insurance, which covers as much risk as possible. In the event of theft of your professional equipment contained inside your food truck, you may then be compensated. You can also take out a driver's guarantee. This allows you to obtain compensation if you or one of your employees is injured as a result of an accident for which you are responsible. It may also be useful to take out a 24/7 assistance guarantee.
Compulsory complementary health

Since January 1, 2016, all companies have been required to offer complementary collective health care to all of their employees. As a professional in the fast food industry if you employ staff, you are also affected by this obligation. You must pay at least 50% of the contribution and must offer a minimum basket of care to your employees.
Compare rates online

The most effective way to find the best insurance rates is to shop for comparisons. Request quotes online using our online comparator and compare them. You will then be able to compete and choose the offer that suits you for the best value for money.
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