(Available in Over 40 States) 949-270-0609 (Any State)
Texas Mobile food vendor insurance is a type of insurance for which the team at Stratum Insurance Agency LLC truly has a passion. The combination of the insurance team and the foodies in the office have lead to the creation of a team dedicated to helping the mobile food industry find the balance of price and insurance coverage that they are seeking.
Specialty businesses such as gourmet food trucks food carts, kiosks, and even bicycle-based food vendors have become increasingly popular in the last few years, even though the business model has been around for some time. The variety of foods that we see thanks to new mobile food vendors keeps our team excited.
Why do I need insurance as an Texas mobile food vendor, food cart or food truck?
There are many risks in the concessionaire business. For example, if you sell food, there is the risk of a food poisoning claim. If you have a booth where you set up a computer or light that you plug in and someone trips over your power cable, you could be sued for medical bills or bodily injury. More sample claims are available on the concessionaire insurance website.
Why choose Stratum Insurance Agency LLC as your team for your insurance in Texas or over 41 other states?
We are foodies with a love for both the insurance and the mobile food business! We attend food truck festivals and have a passion for the new flavors that the mobile food industry is sharing with the nation. Our team members can obtain insurance quotes in over 40 states for a large variety of insurances. We also have direct access to insurance carriers, meaning that we can answer questions and obtain quotes efficiently and quickly.
Important Coverages Available under a Concessionaire Insurance Policy
- General Liability Insurance
- Products Coverage
- For Food Carts: Coverage for the Cart – Theft, Physical Damage
- For Food Trucks / Catering Trucks – commercial auto insurance
- Coverage for your inventory
A word about “Theft Coverage”.
Not all concessionaire insurance policies are the same. Stratum Insurance Agency LLC sells policies that offer theft coverage in most cases. When you get a quote from another agency, it is important that you confirm that theft coverage is not excluded. Of course, you will need to review all of the coverages to confirm that you have an understanding of what you are buying and you should never assume that something is specifically covered. Taking the time to review your quote, the terms and conditions, the exclusions, and all of the parts of your policy is important.
What if I need an additional insured added with a certificate?
Most of the concessionaire insurance quotes and food truck quotes that we provide include blanket additional insureds. This is a valuable option that you should not overlook This means that you can add an additional insured for no extra charge when it is required by a written contract. For example, if you work at a swap meet, you may need to add the swap meet owner as an additional insured, per the contract. In this case, you would just contact the team at Stratum Insurance Agency, forward the contract showing that the wording is required and they can make you a certificate. Keep your contracts from the people requiring your certificates so that you can send them. If your additional insured requires special wording, there may be a charge from the carrier, but this is not often required.
It is important to work with an insurance agency that understands the needs of your industry. Many insurance agents sell insurance for more traditional restaurants and food services. Insurance policies can be tailored to your needs, so make sure to present all of the aspects of your business to your agent so that he or she can find you the proper policy for your needs.Stratum Insurance Agency LLC is licensed to sell insurance in over 35 states and has a passion for unique industries, such as mobile businesses. The agency has a focus on small businesses and start ups.
By working with multiple insurance carriers around the country, the agency is able to help businesses grow as they take on new risks. Loss control services and publications are also available to help business owners reduce risk and educate themselves. From general liability to crime insurance and cyber liability, they will work to help you find the balance of price and coverage that you need.
Request a Quote from Stratum Insurance Agency LLC
- Food Cart Insurance: www.foodcartinsurance.com
- Food Truck Insurance: http://www.foodtruckinsurance.com/
- Concessionaire Insurance (not food): https://www.stratumins.com/business/concessionaire_insurance.html
- Vending Machine Insurance: https://www.stratumins.com/business/vending_machine_insurance.html
- Quotes By Phone: 949-270-0609
Disclaimer: Coverages and options vary by policy and location. The information provided here is very general and this article is in no way meant to serve as a recommendation, reference material, or offer of coverage. The reader of this article agrees to hold the author harmless and release him, his agency and/or brokerage from any liability arising from insurance coverage decisions chosen by the reader.