Protecting Your Passion: Why Food Trucks and Mobile Food Vendors Need Tailored Insurance Coverage

By Jenny Holly Hansen | WBN News | April 30, 2025

Food trucks are more than just a growing trend—they're a vibrant part of our culinary landscape. From gourmet tacos to artisan ice cream, mobile food vendors bring creativity and community to every corner they serve. But behind every great food truck, concession stand, or dessert cart is a business that deserves to be protected properly.

As someone who works closely with food entrepreneurs, I know firsthand how important it is to have insurance coverage that's designed specifically for the unique risks mobile vendors face. Whether you're operating a food truck, an ice cream cart, a drink cart, a concession stand, a food vending pedal bike, or even a transportation pedal car, there are some critical insurance needs you should never overlook.

Why Specialized Insurance for Food Vendors Matters

Traditional business insurance simply doesn’t address the special risks of mobile food service. You're dealing with moving vehicles, specialized equipment, customer interactions in unpredictable environments, and often—hot oil and open flames. Without the right coverage, one unexpected incident could seriously impact your business and your ability to operate.

Here’s what I recommend you consider:

1. Mobile and Stationary Coverage

Whether your food truck is cruising to events or parked at a permanent location, you need insurance that follows you. We offer both mobile and stationary coverage options, ensuring that you’re protected whether you’re on the road, parked at a market, or catering a special event.

2. Contents, Equipment, and Stock Protection

Your equipment, supplies, and inventory are your lifeline. Refrigerators, grills, fryers, ingredients—if they’re damaged, stolen, or lost in an accident, it can grind your operations to a halt. Our policies protect your contents and equipment both in transit and while operating. This means your valuable assets are covered whether you're parked or moving.

3. Deep Fat Frying Specific Coverage

If your food truck uses deep fat frying, you face additional fire and liability risks that many basic policies won’t properly cover. We offer specialized insurance that acknowledges these exposures, giving you peace of mind that you're protected against one of the most common sources of food truck fires.

4. Liquor Liability Coverage

If you serve alcohol—even a single beverage—you need liquor liability insurance. Many events now require it, and it's critical to shield yourself from the financial fallout of alcohol-related incidents. Whether you’re offering craft beer pairings, cocktail slushies, or specialty drinks, our policies can include liquor liability coverage tailored to your setup.

5. Short-Term and Annual Policies

Not every vendor operates year-round—and that’s okay. We offer flexible short-term event policies for those who pop up at seasonal festivals, as well as comprehensive annual coverage for vendors who work year-round. This means you only pay for what you need, without sacrificing quality protection.

Who Can Take Advantage of these Coverages:

These insurance solutions are for a wide range of mobile and event-based food businesses, including:

Food Trucks (mobile and stationary)
Concession Stands
Ice Cream Carts and Dessert Carts
Drink Carts
Food Vending Pedal Bikes
Transportation Pedal Cars

Whether you're serving hotdogs from a pedal cart or deep-fried poutine from a full-size truck, you deserve an insurance plan that's just as creative and hardworking as you are.

Let's Keep Your Business Rolling

Food entrepreneurs bring so much flavor and personality to our communities. Its Important protect what you’ve built with the right insurance coverage—tailored, flexible, and designed to move with you.

Let’s keep your business cooking safely and successfully—no matter where the road takes you.

Let’s Keep Talking:

Jenny is a business insurance broker with Waypoint Insurance.

She is also a business development consultant with Impresario Partners, helping Canadian Business expand overseas.

She can be reached at 604-317-6755 or jholly-hansen@wbnn.news. Connect with Jenny on LinkedIn at https://www.linkedin.com/in/jenny-holly-hansen-365b691b/. Connect with Jenny at BlueSky: https://bsky.app/profile/jennyhollyhansen.bsky.social

Let’s Meet Up:

Jenny Holly Hansen is a cohost with Chris Sturges of the Langley Impact Networking Group. You are welcome to join us on Thursday’s from 4pm to 6pm at: Sidebar Bar and Grill: 100b - 20018 83A Avenue, Langley, BC V2Y 3R4

TAGS: #Jenny Holly Hansen #Food Trucks #Concession Stands #Ice Cream and Dessert Carts #Drink Carts #Food Vending Pedal Bikes #Transportation Pedal Cars