FAQ_category: (HIDDEN) Industry FAQs

Here’s a breakdown of your coverage: 

• Bodily Injury & Property Damage: From client injuries or accidental damage to your truck. 

• Food Poisoning & Contamination: Claims stemming from spoiled, improperly stored, or unsafe food. 

• Vehicle & Equipment Damage: Covers accidents, theft, or vandalism of your truck and gear. 

• Business Interruption: Helps replace income if you must pause operations due to covered damage. 

• Employee Injuries: Covered by workers’ compensation if you have staff. 

• Liquor Liability: If serving alcohol, this protects against alcohol-related harms. 

Gild packages all the protections you need—so you can focus on serving great food, wherever you go. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Absolutely! 

• Personal auto policies don’t cover commercial use—driving your food truck without commercial auto insurance can leave you financially vulnerable in an accident. 

• Coverage protects against vehicle damage, third-party injuries, and theft while the truck—and your business—is on the road. 

A tailored insurance package for your mobile kitchen should include: 

• Commercial Auto Insurance: Required for accidents, vehicle damage, and liability while driving or parked. 

• General Liability Insurance: Covers slip-and-fall incidents, burns, or foodborne illness claims. 

• Product/Contamination Insurance: Protects against claims if food spoils or causes illness. 

• Inland Marine (Tools & Equipment) Insurance: Covers cooking gear and equipment while you’re on the move. 

• Commercial Property Insurance: Protects the truck’s kitchen and built-in equipment. 

• Workers’ Compensation Insurance: Required if you have employees—covers their injury-related costs. 

• Liquor Liability Insurance: Necessary if you serve alcohol, protecting against claims from intoxicated patrons. 

Gild helps you bundle all the coverage you need into one flexible policy—no gaps, no stress. 

Premiums are based on several critical factors: 

• Restaurant size and revenue: larger operations pay more due to higher risk. 

• Location: high-crime or disaster-prone areas carry higher premiums. 

• Staffing levels: more employees increase the risk of injury claims. 

• Menu and alcohol service: serving alcohol or high-risk items like deep-fried foods increases liability. 

• Safety measures: smoke detectors, fire suppression systems, and well-maintained equipment can lower your rates. 

With Gild, you’re only paying for what you need—while still getting complete protection for your restaurant’s operation.