Owning a food truck is more than just running a kitchen on wheels — it’s about bringing great food directly to your customers wherever they are. But behind every successful service is a business with unique risks and challenges. From navigating busy streets and securing event permits to managing equipment, inventory, and daily operations, one accident, fire, or liability claim could put your entire business at risk. That’s why having the right insurance protection isn’t just a good idea — it’s essential.
At Sharp Insurance & Financial Services, we specialize in helping food truck owners across Kentucky, Ohio, and West Virginia — including Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston — protect their businesses with tailored, affordable coverage. Whether you operate a single truck, manage a small fleet, or run a mobile catering business, we’ll help you safeguard your vehicle, your equipment, and your bottom line.
This coverage is designed specifically for:
Food truck insurance is designed to address the unique risks you face every day — from auto accidents and equipment breakdowns to property damage, food spoilage, and liability claims. With the right policy in place, you can focus on serving great food while we focus on keeping your business moving.
Running a food truck means dealing with more than just hungry customers — you’re managing mobility, cooking equipment, event logistics, and business operations all at once. With so many moving parts, the right insurance coverage is essential. Our policies are designed to protect food truck businesses across Kentucky, Ohio, and West Virginia, so you can stay focused on serving great food while we focus on protecting what matters most.
Protects your business if a customer is injured near your truck (for example, tripping on your setup), if property is damaged at an event, or if a claim arises from your operations at a festival or food fair.
Covers the expensive cooking equipment, appliances, and signage attached to your truck, as well as inventory like food and beverages stored inside, against fire, theft, vandalism, or other covered losses.
Covers medical expenses and lost wages if an employee is injured while prepping food, serving customers, or operating equipment inside the truck.
Essential for your food truck itself, this covers accidents, injuries, or property damage while driving to events, festivals, or daily service locations.
Helps pay for repairs or replacement if critical food truck components — like your generator, fryer, refrigerator, or grill — break down unexpectedly.
Reimburses you for spoiled food inventory due to a power outage, mechanical failure, or generator breakdown — an especially important protection for perishable items.
Covers lost income and operating expenses if your food truck is temporarily out of service due to a covered incident, such as a vehicle fire or equipment damage.
Protects your business against claims related to foodborne illness or contamination from meals prepared and served on-site.
Provides an extra layer of protection above your standard liability limits, safeguarding you in the event of a severe accident or lawsuit.
At Sharp Insurance & Financial Services, we’re here to help you find the right food truck insurance for your business. We proudly serve companies across Kentucky, Ohio, and West Virginia, offering expert guidance and local support you can trust. Whether you run a single truck, manage a small fleet, or serve at events, our team will help protect what you’ve built. Contact us today to discuss coverage options.
Mon | 09:00 am – 05:00 pm | |
Tue | 09:00 am – 05:00 pm | |
Wed | 09:00 am – 05:00 pm | |
Thu | 09:00 am – 05:00 pm | |
Fri | 09:00 am – 05:00 pm | |
Sat | Closed | |
Sun | Closed |
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