Food Trailer Insurance
Get affordable liability coverage for your food and beverage business, wherever you roll.
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What is Food Trailer Insurance?
Food trailer insurance is a specialty food liability policy that combines general and product liability coverage with a trailer endorsement.
It’s specifically designed to protect food and beverage trailers from third-party injuries or damages caused by running your mobile business.
- Covers accidents in, on, or around your trailer when it's detached from your vehicle and parked
- Covers food-related illnesses from your products
- Covers damages caused by your trailer
- Covers legal fees, medical bills, and more
- Does not cover the trailer against theft or damage
- Not a substitute for Tools and Equipment Coverage
- Not the same coverage as commercial or personal auto insurance
- Cannot be replaced with food truck insurance
Exclusive Trailer Protections
We’ve partnered with Food Liability Insurance Program (FLIP), unlocking exclusive access to their food trailer coverage.
On-the-Go Coverage
From hitting the roads, visiting venues, to making your mark at a local market, our coverage moves with you, wherever you serve next!
Free, Unlimited Additional Insureds
Easily add events, cities, markets, and more to your policy to fulfill additional insured requirements at no extra charge.
Your policy should include general liability, product liability, and food trailer coverage at a minimum, with additional coverages for a more complete protection plan. Insurance Canopy’s base food trailer policy includes:
- General Liability Insurance
- Product Liability Insurance
- Personal and Advertising Injury
- Damage to Rented Premises
- Free, unlimited additional insureds
Because every trailer serves up deliciousness in its own way, you can customize your policy with add-on coverages like:
- $25.92/month base liability policy
- $12.50/month food trailer endorsement
Food Trailer Liability Insurance Limits
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of an accident at your business location, caused by your equipment, or your daily operations.
$2,000,000
This is the total amount your policy may pay for each individual claim where someone is injured or something is damaged due to your business operations.
$1,000,000
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of the food you serve or products you sell, even after you’ve handed them off.
$2,000,000
This is the total amount your policy may pay out over a year for claims where someone says you hurt their reputation or violated their rights (not physically). That could include things like:
-Saying something that hurts their reputation (slander or libel)
-Accidentally using someone else’s ad idea
-Wrongful eviction or entry
-Holding someone without cause
-Malicious prosecution
$1,000,000
If you rent a space and accidentally damage it or what’s inside, this is the total amount your policy may pay. For the first seven (7) days of your policy, you’re covered for all kinds of damage. After that, it only covers fire-related damage.
$300,000
Good news: there’s nothing you have to pay out of pocket before liability coverage kicks in.
NO DEDUCTIBLE
If someone gets hurt because of your business, this helps cover their medical bills, no matter who was at fault.
$5,000
Also known as inland marine insurance, this is the most your policy may pay (per incident / per year) to repair or replace stolen or damaged gear, equipment, or supplies (excluding items attached to your trailer or vehicle).
$5,000/$10,000
If you file a claim for damaged or stolen equipment, this is the amount you’ll need to pay before your insurance helps cover the rest.
$250
Questions About Mobile Food Trailer Insurance
You need food trailer insurance because most food truck insurance policies do not cover food trailers, especially if your trailer isn’t attached to your vehicle while you’re parked and serving. Trailer insurance helps ensure your whole mobile setup is protected!
Since food trailers are often treated as a separate vehicle, you’ll need a specific trailer endorsement added to your food truck policy to be fully covered. Without it, you could be left paying out of pocket if something goes wrong.
Yes, you’ll need a separate insurance policy for your food trailer and the truck that pulls it. Our liability insurance only covers accidents caused by your trailer. The towing vehicle will need commercial auto insurance to cover damage or accidents while towing the trailer.
Insurance Canopy does not offer commercial auto coverage on this policy at this time.
Yes, consider insuring the contents of your food trailer separately with our Tools and Equipment add-on. This protects your kitchen equipment, inventory, and supplies in case of theft or damage.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Mobile Food Trailer Insurance That Moves With You
Starting at $38.42/month – Protect your food trailer and business with Insurance Canopy’s comprehensive coverage. Whether you’re parked at a food festival or traveling between events, our flexible policies cover common risks so you can dish up delights without a hitch.
