Category: Food Carts

While you’re enjoying the amazing barbecue meal you just got at a popular food cart, you aren’t wondering if the proprietor has insurance. Not many people wonder if their neighborhood ice cream truck, hot dog vendor, or the concessions at their kids’ softball and soccer games are insured. Trust us, they are. Our team at Einstein Insurance is here to explain to Portland, OR business owners why.

Why You Need Food Cart Insurance

The Heat Is On

Remember, food sitting in the heat during summer contracts all sorts of things. Spoilage and contamination are only two examples. Another is the power going out, causing your food to enter the danger zone.

The Action

Of course, you know that employees should be covered by workers’ comp by law. Add to all this that some bozo who decides racing your food cart on the street would be a blast could cause unimaginable damage. Einstein Insurance of Portland OR will help cover you for all this and more.

The Street

Remember that a food cart is not only a business; it’s a vehicle. You’ll need commercial auto insurance as well as business insurance. Ordinary liability will take care of the person accusing you of food poisoning (it’s up to them to prove it, so rest easy – we know you’re good to go) in addition to reputational damage (and this is the most important one.) Make sure you can prove your recipes are your recipes and not someone else’s.

Make sure you’re covered for breakdowns. We don’t mean the truck stops running. We mean if the stove breaks down or an unexpected power surge fries your equipment. Your commercial auto policy might not include this category, so first ask and then get a rider to cover mechanical breakdowns.

We Are Here To Help

We at Einstein Insurance in Portland, OR enjoy dining from food carts, too. We get it. Stop in or call to learn how we can help protect your food cart business – we are happy to help.

Einstein Insurance is proud to serve the insurance needs of the greater Portland, OR area. If you own and operate a food cart in the Portland metro area, it’s important to have insurance. Food cart insurance can protect you from liability, theft, and damage. If you want to learn more about this type of insurance, give us a call today.

What to look for when selecting food cart insurance

As with any other business that serves food to the public, it is important for food cart operators to carry a sufficient amount of liability protection. This can keep them protected if there is an incidence of illness. It can also protect operators from common slip and fall types of claims.

Food cart operators often rent the locations where they set up shop. With the right policy in place, they can also be protected from any liability for damage to the rented premises. No one wants to have to come out of pocket for business-related expenses, especially when this scenario can be avoided with the right insurance.

If you own and operate a food cart, make sure that you have the insurance you need! These specialized insurance policies designed for food carts can go a long way toward protecting you and your cart business. Even if you don’t have a traditional brick-and-mortar restaurant location, it doesn’t mean that you still don’t need to protect your financial interests!  

Get in touch with us today!

Food cart operators in the Portland, OR metro area can turn to the team at Einstein Insurance for all of their insurance needs. If you want to make sure that you have the protection you need for your business, give us a call or stop by today!