California, New York, and Texas have strict workers’ comp enforcement for food businesses. Operating without it while employing staff risks fines, criminal charges, and full personal liability for any on-the-job injury.
5. Equipment Breakdown Coverage
Your commercial food truck runs on equipment worth thousands of dollars: generators, refrigeration units, deep fryers, grills, and point-of-sale systems. When any of these fail mechanically, your commercial auto or general liability policy will not pay for the repair. Equipment breakdown coverage fills that gap.