This coverage is typically available as an endorsement to your BOP for $15 to $35 per month. Given that generator replacement alone can run $2,000 to $5,000, this is one of the highest-return add-ons available in commercial food truck insurance.
6. Food Spoilage Coverage
One extended power outage or a refrigeration failure can destroy $1,000 to $3,000 worth of prepped ingredients — enough to cancel an entire weekend of events. Food spoilage coverage reimburses you for inventory lost due to equipment breakdown or power failure.