Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Food trucks in Texas are constantly on the move, facing risks from burns to driving accidents. Workers’ comp insurance keeps your employees protected while shielding your business from costly claims. With the right coverage, you can keep rolling, and serving great food without worry.
In Texas, food trucks are not required to carry workers’ compensation insurance. However, many food truck businesses choose to provide coverage to protect their employees and reduce financial and legal risks for the business.
If a food truck business opts out of workers’ comp, it must file a DWC Form-005 annually to notify the Division of Workers’ Compensation of its non-subscriber status and report all workplace injuries or illnesses. Failure to comply with these requirements can lead to penalties and increased liability risks.
For more information, visit Workers’ Compensation Insurance Texas.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
Here are the main categories for classifying injuries in the food truck industry. For more details, visit our guide: Workers’ Comp Class Codes for Food Trucks.
9079 - Mobile Concession Stands
9079 - Mobile Food Services
9079 - Food Trucks
9079 - Mobile Bars
Here’s how to save money:
Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
Since workers' comp isn’t required in Texas, you’re not obligated to have it while operating here. However, Louisiana has different rules. If you’re working there occasionally for short periods (under 10-15% of your total work time), you might not need coverage.
For extended operations, you’ll likely need a policy that complies with Louisiana laws. Keep detailed records of time spent in Louisiana and confirm your requirements with your insurance provider.
Yes, driving long distances or operating in high-risk spots like fairs or busy areas can raise costs. Accurate details help price your policy fairly.
Unlike other online insta-quote systems,
here your quote is reviewed by experts
A Step-by-Step Handbook for Small Businesses - you don't want to skip this!
By entering your email, you agree to our Privacy Policy.
Arkansas
Connecticut
Florida
Georgia
Missouri
North Carolina
Oklahoma
Pennsylvania
Rhode Island
Tennessee
Texas
Virginia
See all
© 2024. All Rights Reserved | Sitemap | Terms & Conditions | Privacy Policy
5148 US-9, Howell, NJ 07731
The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.
