March 23, 2022

Food trucks are the lifeblood of any city, attracting tourists and revitalizing neighbourhoods. But with the pandemic and fluctuating oil prices and permit fees, many vendors are feeling the strain. Businesses like the one in Winnipeg are now seeking government assistance to cover the costs of losing significant revenue due to the pandemic. (1) In addition to fee cuts, specialized insurance coverage can be lifesaving for these businesses during unexpected crises.

For vendors, insurance coverage is key to business opportunities

Canadians tend to venture outdoors again in warm weather, which is good news for struggling vendors. Local food truck and food cart operators can apply for designated vendor spaces at harbours and markets in preparation for the summer season (May through September). As they browse market vendors and listen to local musicians, consumers in these districts often try a variety of operators and food styles.

Operators must apply for a space in advance and each city, district, and event has its own policies. Applications usually require applicants to provide the weight of their truck, the type of food they serve, and proof of insurance and operating permits.

A food truck operator applying for a spot on the harbour in Greater Victoria, for example, must possess a certificate of $2 million liability insurance, an operating permit, a propane certificate of inspection, and a COVID-19 safety management plan. (2) Many venues provide regular and marine plug power, water hookups, and regular security patrols.

In uncertain times, remaining optimistic is key

In uncertain times, owning a mobile eatery can be advantageous. Instead of relying on brick-and-mortar locations, food truck owners can go wherever more customers are. While traditional restaurant spaces must deal with restrictions around dine-in services, food trucks are not as subject to social distancing measures as restaurants are.

As far as reducing overhead is concerned, food truck vendors also have some flexibility. Vendors can share a spot with another vendor, depending on the size and weight of their food trucks.

Brokers have a unique opportunity

According to the Government of Canada website, there are close to 2,500 food vendor establishments across the country with average annual revenue of $155.2 thousand. (3)

Now is the time for brokers to reach out to new potential clients and stay in touch with old ones. With South Western Group, vendors can protect the vehicle that drives all their operations with specialized food truck insurance.

SWG PROPERTY: Food Trucks Insurance

Food Truck/Hot Dog Cart/Chip Truck insurance offers a competitive policy for both mobile and stationary food providers, including hot dog carts, chip wagons, and gourmet food trucks.

Coverage Highlights:


Coverage includes the unit and contents, seasonal & year-round operations

Risks with deep frying must have an automatic fire suppression system

Commercial General Liability:

Bodily injury and property damage

Tenant’s Legal Liability

Non-owned automobile available

$1,000,000 & $2,000,000 standard limits

$5,000,000 available on request

Visit the SWG product page at https://swgins.com/product/swg-property.html for more information.

Content is current as of the date of broadcast and is subject to change without notice.


1. https://winnipeg.ctvnews.ca/give-us-a-break-winnipeg-food-truck-operator-wants-help-from-city-on-permit-fees-1.5805441

2. https://vancouverisland.ctvnews.ca/gvha-opens-call-for-food-trucks-at-inner-harbour-this-summer-1.5354674

3. https://www.ic.gc.ca/app/scr/app/cis/summary-sommaire/72233