Food Truck & Food Van Insurance

What Insurance Do I Need as a Food Truck?*

Some of the major types of business insurance covers available to food trucks in Australia are explained below and include:

• Public Liability Insurance
• Commercial Motor insurance
• Cyber Insurance

Why do food truck owners need product and public liability insurance?*

Public Liability Insurance coverage is essential for all self-employed food truck owners.

In Australia, public liability insurance also typically includes product liability insurance.

People and property on site may be hurt or damaged due to accidents involving your food truck business activities.

Protections offered to self-employed food truck owners by public liability insurance in Australia generally include:

• Injury to other persons due to your food truck activities –Where a food truck business activity causes harm to a third-party person. For example, a client is injured when they trip and fall at your food truck.
• Damage to others property due to your food truck activities – Where a food truck business activity causes damages to a third- party’s property. For example, a food truck owner may accidentally cause damage to a neighbouring food truck when unloading.
• Harm to other persons or other persons property due to your food truck business’s products – Where a food truck business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, the food sold at your food truck is spoiled and causes a client to fall badly ill.

Public liability insurance coverage may protect food truck owners from claims that arise when others allege, they are negligent.

A food truck owner’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.

Public Liability Insurance may provide food truck owners with protection for slip-and-trip accidents, and serious illness caused by food sold to clients.

Commercial motor insurance for self-employed food truck owners*

Comprehensive commercial motor insurance should be considered for food trucks .

Optional Inclusions are  Fire,Theft and damage to the food truck  and it’s fixed contents.

Cyber Insurance for food truck owners *

Your food truck credit card processing system is a target for hackers as is your online store if you have one.

If you are hacked and incur a data breach you may incur significant tech bills, be open to be sued by frustrated customers, and may be subject to thousands of dollars in government fines.

Help reduce the impact of damages from data hacking with cyber insurance – and keep your food truck business going.

What type of food trucks may be covered with SMART business insurance?*

• Food trailers/trucks/vans stored at a residential address over night
• Food trailers/trucks/vans that are stored at residential address over night but taken to short-term events
• Food truck public liability insurance
• Food trucks and trailer combined commercial motor and public liability insurance

What type of food trucks can’t be covered with SMART business insurance ?*

• Food trailers stored at commercial location over night
• Food trucks and trailer commercial motor only ( without the liability )

Important: Commercial motor insurance for food trucks is only available via SMART Business Insurance for new clients also covering their public liability insurance with SMART Business Insurance . Commercial motor insurance for food trucks ONLY, via SMART Business Insurance, is NOT available.