FOOD AND CATERING BUSINESS INSURANCE WITH ALL THE RIGHT INGREDIENTS
Whether you’re running gourmet food trucks, delivering pastries in cargo vans, or hauling produce in refrigerated box trucks, your vehicles are constantly in motion. But all that drive time exposes you to risks that can significantly impact your company's financial well-being.
At Lancer, we provide the commercial auto insurance you need to safeguard your vehicles, drivers, and bottom line, from your first stop to your final delivery. With decades of experience supporting food and catering professionals throughout Connecticut, New Jersey, New York, and Pennsylvania, we know what it takes to keep you rolling confidently and securely.
Whether you’re a bakery supplier, beverage distributor, or coffee roaster, becoming a Lancer food and catering business insurance policyholder is a smart choice. We offer our insurance products exclusively through independent agents and brokers, so you get local expertise and personalized advice. To get started, complete our brief online questionnaire, ask your broker to contact us, or reach out to our food and catering business insurance team for a Lancer-approved producer near you.
If you’re an insurance producer looking for commercial food truck insurance, catering business insurance, bakery insurance, or insurance for food distributors, let’s talk. Contact our food and catering business insurance team about becoming a Lancer producer.
COMMERCIAL AUTO INSURANCE FOR FOOD AND CATERING BUSINESSES
Food businesses—from butcher shops to mobile coffee trucks—depend on Lancer’s commercial auto insurance for financial protection. You can count on us to deliver the same peace of mind.
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COMMERCIAL AUTO LIABILITY
Commercial auto liability insurance protects your business if you or an employee causes an accident while driving a company vehicle for work, and includes:
- Bodily injury (BI) liability – Helps pay for medical bills and injury-related expenses for others involved
- Property damage (PD) liability– Covers repair or replacement costs if you damage someone else’s vehicle or property
Additional food and catering business insurance coverages are available, where applicable, such as:
- Personal injury protection (PIP) – Helps pay for medical expenses for you and your passengers, regardless of fault
- Uninsured/underinsured motorist (UM/UIM) – Offers protection if you’re hit by someone with no insurance or too little coverage
COMMERCIAL AUTO PHYSICAL DAMAGE
Your vehicles keep food moving—whether it’s fresh, frozen, or made to order. Physical damage coverage helps protect them with:
- Collision – Pays to repair or replace your vehicle after a crash with another vehicle or object
- Comprehensive – Covers non-collision events like theft, vandalism, fire, and weather damage
FOOD AND CATERING BUSINESSES WE INSURE
From commercial food truck insurance, catering business insurance, bakery insurance, or insurance for food distributors we have you covered. Our AM Best A (Excellent) rated commercial auto insurance is designed for a variety of food and catering businesses, including:
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- Bakeries
- Butcher shops
- Catering businesses
- Coffee roasters and suppliers
- Dairy distributors
- Fish and seafood distributors
- Food trucks
- Produce distributors
- Wholesale food distributors
- And more!
Don’t see your business type listed? Call us or request a quote online—we’re happy to help.
VEHICLES WE INSURE
Do you need commercial food truck insurance, catering van insurance, or refrigerated box truck insurance? No worries. We offer protection for a wide range of vehicles food and catering businesses rely on such as:
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- Beverage trucks
- Box trucks (straight trucks)
- Cargo vans
- Canteen lunch trucks
- Catering trucks
- Food trucks and mobile kitchens
- Refrigerated trucks
- Step vans
- And more!
POLICYHOLDER BENEFITS
With Lancer, you don’t just get rock-solid coverage. You get added value to support your food and catering operation at every turn.
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Here are just some of the complimentary tools and services you receive as a Lancer food and catering business insurance policyholder:
- Convenient accident and claim reporting aids
- SafetyLink Hotline, which provides guidance on DOT regulations and loss control topics
- Safety Stop, our blog offering tips on loss prevention, operations, compliance, and more
- 24/7 online driver training videos to keep your drivers sharp and road ready
- Business Resource Hub to support safety, compliance, and daily operations
- Natural Disaster Preparedness materials to help you reduce risk and enhance operational resilience
- Top-notch loss control services aimed at managing risks, lowering loss costs, and keeping your business goals on track
AROUND-THE-CLOCK CLAIMS SUPPORT
If an accident happens, you'll have the claims support you need 24/7/365. Our adjusters have the experience and knowledge necessary to manage your claim quickly and efficiently—so you and your vehicle can get back on the road and back to business…fast!
And, with our Loss Recovery Program, our claim specialists will help you recoup out-of-pocket and downtime expenses, including your deductible, when someone else is at fault—at no additional cost to you.
PROTECT YOUR BUSINESS VEHICLES TODAY
Your business runs on mobility—whether you deliver food to retailers, serve meals on the go, or cater events across town. Protect your vehicles, your drivers, and your company with commercial auto insurance from Lancer.
Request a food and catering businesses insurance quote today.
““Lancer’s risk management team does an extraordinary job of helping my clients implement a program to help them reduce their risk and improve their operations!””
