Food Truck Insurance In Waco, Texas

Food trucks have become a vibrant part of the Waco culinary scene, offering everything from barbecue to tacos and gourmet desserts. But behind every successful food truck is a business that faces a unique set of risks. At Baker & Carey Insurance, we specialize in providing food truck insurance that protects your mobile business from the unexpected, on the road and at every event.

Why Food Truck Insurance Is Essential

Food trucks combine the risks of both a commercial kitchen and a moving vehicle. That means you need coverage that protects your vehicle, equipment, employees, and liability. A standard auto or business insurance policy isn’t enough. Food truck insurance is designed to address your specific operational needs, whether you're parked at a festival in downtown Waco or serving lunch outside a local office park.

Without proper coverage, one accident or equipment malfunction could put your business at risk. Our goal is to make sure you stay protected, compliant, and confident on every run.

Key Coverages for Food Trucks

A comprehensive food truck insurance policy typically includes several key components:

• Commercial Auto Insurance: Covers damage to your truck in an accident and liability if you cause damage to others while driving.

• General Liability Insurance: Protects you if a customer is injured or becomes ill due to your food or operations. This is essential for event and vendor contracts.

• Business Property Insurance: Covers your cooking equipment, generators, POS systems, and inventory, whether they’re inside the truck or stored off-site.

• Workers' Compensation: Required if you have employees, this provides medical and wage coverage for work-related injuries.

• Business Interruption Insurance: Helps cover lost income if you can’t operate due to a covered event like a fire, theft, or equipment breakdown.

At Baker & Carey Insurance, we help you build a custom policy based on your food truck’s size, menu, service areas, and risk exposure.

Local Requirements in Waco, Texas

Waco and McLennan County have specific health and permitting requirements for food trucks, and having the right insurance is often part of those requirements, especially if you operate at city-sponsored events, schools, or private venues. We stay informed on local regulations to ensure your policy keeps you in compliance and avoids costly delays.

Protecting Your Passion and Investment

Your food truck is more than a business—it’s your livelihood and a reflection of your passion. We understand the challenges of running a mobile operation and the importance of having coverage that adapts to your schedule, locations, and equipment. Whether you’re just getting started or expanding your fleet, we’re here to support your growth and protect your investment.

Conclusion

Food truck insurance in Waco is essential for staying compliant, protecting your assets, and giving you peace of mind while serving your customers. At Baker & Carey Insurance, we build policies that work as hard as you do. Contact us today to get the right coverage for your food truck business.