Food Truck Insurance
One-of-a-kind all-round protection especially for your food truck or trailer.
Your benefits
More benefits
Shut-down by the authorities
What if you are ordered to shut down your food truck? Downtime costs are also covered in the event that the food truck is shut down by the relevant authorities.
Misfuelling
What if your food truck has engine damage due to misfuelling? No problem. We also cover this.
Keep your dream a reality!
As a food truck owner you get to enjoy the freedom of serving your food wherever and whenever you like. But how important to you is the feeling of security? To keep your dream a reality and make sure your living is not jeopardised, we at Pantaenius have developed a special type of insurance, the only one of its kind on the market, which covers both you and your food truck or trailer for all eventualities, meaning you will be accompanied by a feeling of security wherever you go.
To what extent will you be insured?
We will agree a fixed sum insured for your food truck or trailer, which will be reimbursed without any deduction for the market value in the event of total loss of the truck or trailer. Also included in the cover will be all built-in parts and bodywork, special paintwork finishes, as well as goods, supplies and cash. With Pantaenius you also receive all-risks cover, which means that you will be insured against practically all unforeseen risks resulting from destruction, damage or loss. This covers, among other things, accident, force majeure, fire, explosion, theft and vandalism. Additional claims resulting from leasing contracts are also covered.
Do you already have vehicle insurance? No problem!
You can start benefiting from our all-inclusive package before the cancellation date of your current insurance policy. You will receive special conditions during the overlap period.
FAQ
What insurance do we offer?
Our special product is the comprehensive Food Truck Insurance. This product is fully comprehensive insurance and also offers the following advantages, among others:
- Loose contents in the vehicle are covered
- Towing costs are insured
- Downtime costs will be reimbursed up to your fixed sum insured
- Recovery and removal costs are covered
- Your cash is insured against theft or extortion
- No age-related deductions for repairs
- Festival cancellation cover
- Engine damage due to misfuelling is covered
As a vehicle owner, you are legally obliged in Germany to take out motor vehicle liability insurance. It covers damage caused by your own vehicle to other vehicles or persons. Motor vehicle liability insurance is liable for personal injury and property damage caused by the insured person's vehicle, but not for damage to your own vehicle. The sum insured is 100 million euros. Within this sum, personal injury, property damage and financial losses are covered, whereby personal injury per injured person is insured up to 15 million euros.
In addition, business liability insurance is essential cover for the self-employed. It is part of business insurance and covers damage caused by you or your employees in the course of your business activities. This could be, for example, grease splashes on a customer's jacket, damage caused by tripping over cables or illnesses caused by salmonella.
Business liability insurance:
Insurance cover is provided in the event that the policyholder is held liable for damages by a third party on the basis of statutory liability provisions under private law due to a loss event that has occurred and resulted in personal injury, property damage or consequential financial loss. The insurance covers the policyholder's statutory liability under private law arising from all characteristics, legal relationships and activities resulting from the business description.
Business description: Commercial operation of a food trailer and the ancillary risks of office, pre-cooking and storage facilities
Why should I insure my food truck?
You should insure your food truck to ensure that your vehicle - the personal centerpiece of your business - is fully protected at all times.
Are there any legal requirements/regulations?
There are no special requirements for taking out comprehensive Food Truck Insurance. We can offer our insurance solution for any food truck or food trailer. To be able to provide you with a quote, all we need is the current net value of the vehicle including all fixed parts, special paintwork and any superstructures.
What specific risks are associated with operating a food truck and how can they be insured?
Accidents, force majeure, natural disasters, fire, lightning, explosion or spontaneous combustion, robbery, extortion, theft, burglary, loss including willful and malicious damage, operating errors, clumsiness or intent on the part of third parties, overcurrent or overvoltage, vandalism, etc. - There are specific risks associated with the operation of a food truck.
Is special insurance required to protect my equipment and inventory?
We recommend taking out comprehensive food truck insurance. Pantaenius' comprehensive Food Truck Insurance, for example, not only covers the vehicle, but also its contents.
Are there insurance policies that offer protection in the event of accidental damage to the food truck?
We recommend taking out comprehensive food truck insurance, for example from Pantaenius. It replaces fully comprehensive insurance and includes accidents in the insurance cover. Even recovery and removal costs are covered.
What sums insured are recommended in order to be adequately covered?
Pantaenius recommends insuring the actual value of the vehicle including all permanently installed parts, special paintwork and any superstructures. Also important to mention: When you take out comprehensive Food Truck Insurance from Pantaenius, the claims settlement is based on the bill for repairs – with no deductions for age.
How does the mobility of the food truck affect the insurance?
A major advantage of Pantaenius' fully comprehensive Food Truck Insurance is that it offers insurance cover throughout Europe! In addition, we don't ask where the vehicle is parked or driven. Another big advantage is that we do not require a fixed group of drivers.
Is the fire pit in my vehicle insured?
Yes, Pantaenius also offers comprehensive Food Truck Insurance for vehicles with a fireplace, gas grill, deep fryer or similar.
What damage is usually covered by food truck insurance?
Regardless of whether the sales hatch opens, accidents happen, the vehicle has an accident - these and many other losses, such as accidents, force majeure, natural disasters, fire, lightning, explosion or spontaneous combustion, robbery, extortion, theft, burglary, loss including willful and malicious damage, operating errors, clumsiness or intent on the part of third parties, overcurrent or overvoltage, vandalism, etc. are insured with us.
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