Businesses that prepare and serve food from motorized vehicles or non-motorized carts (U.S. Census NAICS 722330). For a food truck, the vehicle is the business, which changes the coverage picture.
U.S. Census NAICS 722330: Mobile Food Services
What can go wrong for food truck businesses?
- An accident in the truck, which is both a vehicle and a kitchen.
- A customer who gets sick from the food.
- Equipment breakdown or spoilage that shuts you down.
- An employee burned or injured in a tight mobile kitchen.
What insurance does a food truck business need?
Food truck businesses typically carry commercial auto (the truck is a commercial vehicle, not a personal one), general liability, product liability for the food served, workers compensation once staffed, and coverage for equipment and spoilage. If you serve alcohol, liquor liability applies too. Commercial auto is the line most new operators underestimate because a personal auto policy will not cover a food truck.
What does Georgia require?
Georgia requires workers compensation at three or more employees (Georgia State Board of Workers Compensation, O.C.G.A. Sec. 34-9-2(a)(2)). Local health and permitting rules also apply per county.
Source: Georgia State Board of Workers Compensation (O.C.G.A. Sec. 34-9-2(a)(2)).
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