| Catering truck insurance | | | | vehicles there overnight for washing, unloading, |
| Not many agents/brokers write catering truck | | | | and morning loading of food. |
| insurance as they don't have a contract with | | | | The drivers purchase their goods for sale at the |
| companies that will write that type of coverage. | | | | commissary, although you may discover that |
| There's a certain type of knowledge needed to | | | | outside purchases were also made. The |
| write the risk with catering truck insurance | | | | Department of Health Services have very strict |
| properly. There are basically (2) categories of | | | | requirements with regards to the purchase of |
| operators: | | | | food for sale. Food must be obtained from an |
| They are, hot trucks and Mobile Food Preparation | | | | approved vendor, approved facility, or approved |
| Vehicles (MFPV), which allow food to be prepared | | | | commissary. |
| as customers order, and cold trucks, Industrial | | | | The owners and operators of the vehicles have |
| Catering Vehicles (ICV), which sell only | | | | to meet certain requirements for various |
| prepackaged foods. | | | | governmental agencies. The owners are required |
| The hot trucks have at least a driver, (which is | | | | to register their vehicles with the Health |
| usually the taxpayer), and a cook, who may be a | | | | Department. All vehicles must have a valid County |
| family member. The cold trucks in most instances, | | | | Health Permit. |
| only need a driver since it is a self-service vehicle, | | | | Vehicles are usually inspected annually in order to |
| however, they are not limited to just the driver. | | | | renew their license by the Health Department. |
| The average cost of the trucks is approximately | | | | The license, showing the name of the owner, |
| between $50,000 - $100,000. The trucks may be | | | | must be on display in the vehicle or on the |
| owned by one individual, serving as the owner | | | | persons of the driver. |
| operator, or several individuals may own a fleet | | | | Selling any goods, wares, or merchandise on public |
| of trucks and lease them to various individuals to | | | | streets and sidewalks on foot or using a pack, |
| operate; or they can be individually owned and | | | | stand, or push cart is illegal without the approval |
| then leased to another individual to operate. | | | | of the Department of Building and Safety. |
| The drivers/owners of food trucks are linked to | | | | There are also stringent health codes that must |
| specific commissaries stocking and storing their | | | | be followed and enforced to operate safely and |
| trucks overnight. The commissary is a wholesale | | | | within the guidlines of the dept of health in order |
| supermarket where the drivers are able to buy | | | | to be able to operate the food business. State |
| food and supplies in bulk. The trucks are assigned | | | | laws also require catering truck insurance. |
| to a commissary and are required to park their | | | | |