for Food Vendors, Caterers, Food Trucks & Other Food Services Businesses

No matter the scale or specialization of your food services business, it's likely that vehicles play a role. For example, do you…

  • Deliver food to customers?
  • Transport equipment or prepared foods to an event site?
  • Operate a mobile food truck?
  • Send employees out on errands during work hours?
  • Own a business vehicle?

If so, you may need Commercial Auto Insurance to protect your food business when it's on the move.

Commercial Auto Insurance Protects Business-Owned Vehicles

Commercial Auto Insurance Protects Business-Owned Vehicles

Commercial Auto policies exist because your other business insurance policies (such as General Liability, Commercial Property, and Umbrella coverage) don't cover the operation of your vehicles. Similarly, personal auto insurance policies almost always exclude coverage for business uses.

If you rent your vehicles or have your employees use their own cars for work purposes, Commercial Auto Insurance is not for you. Instead, you should talk to an insurance agent about Hired and Non-Owned Auto coverage.

But if your food services business owns vehicles (whether one or a whole fleet), Commercial Auto Insurance is the only business insurance policy that protects your property and employees in case of an auto accident.

What Commercial Auto Insurance Covers

What Commercial Auto Insurance Covers

Your Commercial Auto policy is tailored to the specific needs of your business. Depending on your location, your state's laws, and the type of vehicles you own / how you use them, your policy might include the following:

  • Legal defense costs. If your company is sued over an accident, legal bills can add up quickly – not to mention the cost of a settlement or court judgment. Commercial Auto Insurance covers those costs so they don't sink your business.
  • Collision coverage. This covers damage to your work vehicle, regardless of fault.
  • Medical payments. If you, your employees, or passengers incur injuries in an accident, your policy can cover their reasonable medical expenses.
  • Comprehensive coverage. This covers non-collision damages, such as vandalism, fire, theft, or hail.

A food business insurance expert can help you find the policy that fits your needs and ensures you're complying with state regulations for commercial vehicles.

What Affects the Cost of Your Commercial Auto Policy?

What Affects the Cost of Your Commercial Auto Policy?

Several factors impact your Commercial Auto Insurance premiums:

  • Employee driving records. As you would expect, premiums will be lower if your insured employees have wreck-free, responsible driving records.
  • Type of vehicle. Insurers don't treat every vehicle the same way. Having safety-rated, well-maintained vehicles lowers your insurance costs.
  • Business location. Different neighborhoods, cities, and states have varying risk profiles for theft, collisions, and driver safety. If you operate a mobile business, it might be good to discuss location with an insurance professional.
  • Size of fleet. If you're insuring multiple vehicles, insurers sometimes provide "fleet" discounts.
  • Safety and anti-theft measures. Just as with your personal vehicle, safety features such as antilock brakes, airbags, and alarm systems may reduce premiums. How you store and protect your vehicles when not in use also matters.
  • CDL licenses. Many insurers provide discounts if your insured drivers have Commercial Driver Licenses.
  • Bundling with other business insurance policies. If you have General Liability Insurance, Commercial Property Insurance, a Business Owner's Policy, or some other form of food business insurance, your Commercial Auto policies can sometimes be bundled with them to save you money.
How to Prepare for a Commercial Auto Insurance Application

How to Prepare for a Commercial Auto Insurance Application

When you speak with an insurance agent about getting Commercial Auto Insurance for your food truck, delivery cars, or other food service business vehicles, it's helpful to have the following information ready:

  • Prior commercial or personal auto insurance policies. You'll need much of the information in your current or previous policies (even your personal car insurance) for your Commercial Auto Insurance application.
  • Drivers' license numbers for your employees. Having the license numbers or driving history of every driver to be insured helps your agent provide the most accurate quotes.
  • VIN numbers and feature information for your vehicles. Be sure to mention any safety and anti-theft features on your business cars, trucks, and vans.
  • Operating radius. Where your employees are driving is important, especially if your business sometimes crosses state lines.

To get started, fill out our online application to explore your Commercial Auto Insurance options. Our agents usually send your quotes (from multiple top-rated providers) to your inbox in less than 30 minutes.

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