About Commercial Insurance

If you are planning to operate a food truck business in Reno, NV, you will need to have the right insurance to operate your business legally. For help getting your policy in place, one of our agents at Hinman & Associates Insurance is ready to assist. 

Food Trucks — Why You Need Commercial Insurance

In Nevada, to operate a food truck business, you must carry commercial insurance separate from automobile coverage. A standard auto policy excludes coverage for vehicles used for commercial purposes, which includes a mobile business. 

A food truck has a dual purpose. It is both a motorized vehicle and a commercial kitchen. For these reasons, the state requires minimum liability coverage for bodily injury and property damage.

With general liability, your business is covered if a customer falls or slips or is burned and is injured while visiting your business. It also covers you when food poisoning is linked to your food truck. 

Whether you have one or five employees, you must have workers’ compensation insurance.

Your food truck business is reliant on having the right equipment. This includes permanent appliances, such as refrigeration, commercial grills, and grills. A commercial policy protects these fixtures. 

Consequences of Not Having Commercial Insurance

• You must have proof of insurance before you can get or renew a food vendor license. 
• Your mobile business can be shut down if you do not have the required documentation.
• Without proof of liability insurance, you will not be allowed to operate your business at local festivals, commercial events, or farmers’ markets. 
• If someone is injured at your food truck, without general liability insurance, you will be responsible to pay out-of-pocket for legal defense, court costs, medical or property claims.

Contact Us

At Hinman & Associates Insurance, we want to support your food truck business in Reno, NV, with a policy that meets the state’s requirements.