What insurance is required for a food truck in Arizona?

Food truck insurance in Arizona typically consists of an owner's policy that includes general liability coverage and property insurance. Consider bundling food truck insurance policies to save money.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • When you own a food truck, you may need to obtain multiple types of insurance to cover various needs.
  • Finding all of the food truck insurance you need in Arizona can be stressful, but this is a required step if you want to run a successful business.
  • You should be aware that there may be penalties associated with not having proper insurance for your food truck business at all times.

Food trucks are undeniably popular in many areas of the country, and you may have been dreaming about running your own food truck business in Arizona for a while now.

Operating your own food truck business may yield significant financial success and personal independence, and it also is a great way to share your culinary talents with others.

Remember that a great food truck is about both the food and the overall dining experience that you provide to your customers.

To launch a food truck business in Arizona or in any other location, you need to create a detailed business plan just as you would with the launch of any other type of business.

Your food truck business plan should identify the unique edge that you plan to convey in the market, and it also may include information about the types of cooking equipment and more that may be needed for you and your staff to prepare foods on the food truck.

Many food truck owners will also benefit by learning more about the various regulations and rules for restaurants and food trucks in the area.

Keep in mind that you may need to comply with food service regulations as well as commercial vehicle regulations when running this type of business.

In most cases, a food truck owner will need to purchase a commercial auto insurance policy, and this policy can protect you against financial loss associated with damage or theft to your food truck. This is just one of many types of insurance that a food truck owner may need to buy.

Auto insurance and other types of coverage that may be needed for your food truck business in Arizona can be expensive, and you understandably need to find an exceptional way to keep these costs as low as possible so that your business can be profitable.

Comparison shopping for insurance for your Arizona food truck is a smart idea, and there is no better time to get started looking for a few quotes than right now. Enter your zip code above to compare car insurance quotes for free.

Coverage for Food Trucks in Arizona

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As a food truck owner, you may have to deal with many risks that insurance may come in handy for. For example, you may get in a car accident with your food truck.

A customer could get sick or injured, or an employee could get injured on the job. There are various types of commercial insurance available to address these and other potential risks associated with your food truck.

Commercial Auto Insurance

In Arizona, any vehicle that is used for commercial purposes must be properly insured by a commercial auto insurance policy. Just as there are different coverage types available for a personal policy, the same holds true for a commercial auto policy.

However, you may be able to buy commercial coverage that features benefits for liability, medical expenses, lost income, and more.

Hired and Non-Owned Auto Insurance

Some food truck operators will own their food truck, but others will rent or lease it. If you rent your food truck, you may need to obtain hired or non-owned auto insurance.

This is usually an optional type of coverage in Arizona, but the vehicle’s owner or lender may require you to have it.

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Collision Coverage

Collision coverage for a personal vehicle is optional in many cases, and this is true for commercial vehicles as well. If your Arizona food truck is damaged in a collision, this optional coverage may pay for the repair work or for a full replacement of the truck.

Keep in mind that this coverage only pertains to collision events.

Comprehensive Coverage

Comprehensive insurance is also available for Arizona food trucks, and it is usually optional as well.

This pays for your food truck’s repairs or a for a full vehicle replacement if the truck is damaged because of the following:

  • bad weather conditions
  • theft or other criminal activities
  • collision

General Liability

All businesses in Arizona should have general liability insurance, and this includes food truck businesses. As a food truck operator, you face liability related to food poisoning, customer safety, and more.

This coverage will pay for your liability-related expenses in the event you are sued for damages or face other related issues.

Property Insurance

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Some food truck owners own the property where the food truck is located. Typically, property insurance does not insure land, and this is because land can never be destroyed.

However, any fixtures on the property, such as utilities, a parking lot, picnic tables, and more may be covered by the property insurance policy.

Workers’ Compensation

It can be difficult to run a food truck in Arizona entirely by yourself, and you may need to buy worker’s compensation to pay for any injuries or illnesses your team develops while on the job.

For example, an employee may cut off an appendage while dicing onions and require immediate and expensive medical attention.

Umbrella Policy

Another idea to consider if you are planning to run a food truck business in Arizona is to buy umbrella coverage. An umbrella policy will pay for all of your expenses typically paid for by insurance rather than only paying for employee-related expenses.

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A Food Truck Owner May Want to Bundle

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As you can see, many Arizona food truck owners and operators may need to purchase multiple types of insurance to enjoy the full protection that coverage can provide. You could buy separate policies, or you could potentially bundle your insurance together to save money.

Bundling may qualify you for a discount in Arizona and may make it easier for you to manage your coverage and payments.

However, if you choose to bundle, you need to verify that the total premium cost is lower for similar coverage. There may be instances when buying coverage from different providers is more cost-effective.

Because the cost of each type of food truck insurance can be rather high, you need to research these costs before you launch your business to ensure that the expenses are affordable and manageable.

Compare quotes for the car insurance coverage you need. Enter your zip code below to begin getting quotes for free.

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