What insurance is required for a food truck in Oregon?

Food truck insurance in Oregon usually consists of a business owner's policy that includes general liability coverage and property insurance. Consider an umbrella policy for your food truck 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...

  • A food truck owner in Oregon must follow state, city, and country rules/regulations
  • Food truck owners should purchase a wide range of different insurance policies to maximize protections
  • Comparison shopping and bundling could lead to excellent deals on auto and other types of insurance

Owning a food truck business may prove to be a huge financial success. With the right cuisine and the right location, a food truck entrepreneur could do quite well.

In the state of Oregon, there are a number of outstanding locations to park a food truck. Tourists and locals alike might flock to truck with awesome food.

Cooking great food, however, reflects only a small part of the duties required for running a food truck business. Entrepreneurs thinking about launching such a business in Oregon must plan things out carefully. Among the things to seriously consider are:

  • Creating a smart business plan charting long and short-term goals
  • Investing in the right equipment and properly maintaining it
  • Complying with all local rules, requirements, and certifications

You simply can’t just serve food out of the back of a truck in Oregon. Laws exist to protect owners, workers, and customers. Following all applicable laws does help preserve the investment you make into a food truck.

One vitally important investment would be to buy the best auto insurance.

The right auto insurance policy delivers protections that not only cover repair costs but also preserves the entire investment you make into your business. A lot of money may go into buying equipment and your business plan could be a long-term strategy.

An auto insurance policy could prove incredibly helpful if something goes wrong. Additionally, auto insurance is usually mandatory to operate a food truck.

Due to the sensitive nature of purchasing the best insurance, Oregon residents should take part in thoughtful comparison shopping.

Through requesting a number of quotes, checking out the best coverage options and rates becomes possible. To do so online streamlines the process and makes things fairly easy. Enter your zip code above to get started for free!

Coverage for Food Trucks in Oregon

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In Oregon, statewide laws mandate health, environmental, and licensing requirements to run a mobile food business. In addition to state rules, local areas have their own statutes regarding such businesses.

All rules — city, state, and county – must all be met in order to legally operate.

Be advised that the City of Portland may restrict where food vehicles can operate. Zoning laws prohibit “drive-through” businesses in certain areas.

In terms of acquiring the proper insurance, a food truck entrepreneur has a lot to consider. Being underinsured brings with it a host of risks. Looking carefully at acquiring the following insurance would be to a food truck owner’s benefit:

Commercial auto insurance

Commercial auto insurance covers vehicles that conduct business. A food service truck would obviously fall under the category of a vehicle used for business. So, a personal auto insurance policy would not the one to purchase.

Commercial auto insurance includes liability coverage. If the food truck accidentally struck another vehicle, the commercial auto insurance policy could settle for any damages up to coverage limits.

A commercial policy could include other coverages such as the following:

  • uninsured motorist coverage
  • underinsured motorist coverage
  • personal injury protection

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Hired and nonowned auto insurance

The owner of a food truck might not be the person driving it. When an employee takes to the road in a company-owned vehicle, hired and non-owned policies deliver the necessary protection.

With such a policy in place, the business maintains coverage if named in any litigation due to an employee’s negligence while driving.

Collision coverage

Drivers do cause damage to their own vehicles. A lapse in attention could lead to a food truck hitting a stop sign. The repair bills may be enormous, but collision coverage would pay for the loss minus any deductible.

Collision coverage could pay for a total loss if the vehicle was severely damaged making this important insurance to purchase.

Comprehensive coverage

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Imagine the absolute horror if a food truck was stolen or if a kitchen accident led to the vehicle being engulfed in flames. Comprehensive auto insurance coverage addresses such incidents and more.

Collisions aren’t the only means in which your truck could suffer harm, which is why purchasing comprehensive insurance is beneficial.

Insurance intended to protect a food truck is not the only coverage a business owner should purchase. The operation of the business itself adds layers of protection to address risks and perils associated with running a mobile restaurant. Two types of insurance stand out the most:

  • General liability coverage – General liability insurance casts a wide net to protect a business owner against negligence claims. In the event of bodily injury or property damage to a third party, general liability provides the coverage. Food poisoning could be covered under an eatery’s general liability policy.
  • Property insurance coverage – Running a food truck business requires using a lot of equipment. From grills to cutlery to more, a food truck owner spends a lot of money to acquire the necessary items for the business. Property insurance covers against losses related to the property used for the operation of the business.

Growing businesses often need to hire employees to help with day-to-day work. Hiring employees comes with several responsibilities a business owner cannot ignore. Two types of insurance coverage to research include:

Workers’ compensation

Worker’s compensation insurance covers employees for loss of wages and for medical expenses. The employee loses rights to sue an employee for negligence when covered under worker’s compensation.

An employee who suffers burns while cooking could seek a workers’ compensation claim.

Umbrella coverage

An umbrella policy not only ties into employee-related insurance but also to other types of coverage. Umbrella policies add further liability coverage that extends beyond the maximum amount on an underlying policy.

So, if your auto liability coverage only pays up to $300,000 in losses and you are sued for $450,000, an umbrella policy may pay the additional $150,000 depending in the event of a levied judgment.

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Why should a food truck owner bundle insurance?

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Bundling insurance refers to purchasing several policies from one insurance company. The benefits of doing so include receiving discounts and being able to better organize the management of policies.

The drawback is you would be required to bundle policies with the same insurer.

Comparison shopping for insurance in Oregon makes bundling a simple process. Searching online for bundled policies in Oregon could lead to great deals. Comparison shop for free with no obligation by using our free rate tool below.

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