What is the Food Truck Insurance Fee for Chick Fil A, and when is it due?
Chick_Fil_A Franchise · 2025 FDDAnswer from 2025 FDD Document
ve all personal property from the Food Truck, and (iii) clean and remove all debris and trash from the Food Truck. Any personal property not removed will be deemed conclusively abandoned and may be removed and disposed of by Chick-fil-A, without compensation to the Operator. In the event the Operator fails to return the Food Truck in such condition and at such time and location as directed by Chick-fil-A, the Operator will reimburse Chick-fil-A for all costs and expenses incurred in connection with returning the Food Truck to the good order, condition and repair as existed immediately prior to the Operator's operation and use of the Food Truck, normal wear and tear excepted.
- l. Insurance and Insurance Fee. In consideration of the insurance expense incurred by Chick-fil-A to cover the Food Truck and its contents and inventory, the Operator will pay to Chick-fil-A a monthly insurance fee, as set forth in the Food Truck License Summary (the "Food Truck Insurance Fee"); the Insurance Fee does not cover any Operator-owned contents or inventory. The Operator will obtain and maintain in full force and effect, at the Operator's own expense, any additional insurance coverage which may be necessary or required (i) to operate the Food Truck, and (ii) under the Food Truck Lease, the Franchise Agreement, applicable law or otherwise.
Source: Item 23 — Receipts (FDD pages 103–600)
What This Means (2025 FDD)
According to Chick Fil A's 2025 Franchise Disclosure Document, operators are required to pay a monthly insurance fee to Chick Fil A to cover the Food Truck, its contents, and inventory. The specific amount of this Food Truck Insurance Fee is detailed in the Food Truck License Summary. This fee does not cover any contents or inventory owned by the operator themselves, meaning the operator needs to obtain additional insurance coverage at their own expense.
This additional insurance must cover anything necessary or required to operate the Food Truck, as well as anything required under the Food Truck Lease, the Franchise Agreement, or applicable law. The operator is also responsible for providing immediate notice to Chick Fil A of any casualty loss (damage to the Food Truck) or any liability claim (injury or property damage involving the Food Truck).
Furthermore, the operator must fully cooperate with Chick Fil A in the reporting, investigation, adjustment, and settlement of any insurance coverage claims related to the Food Truck. Upon termination of the Food Truck Agreement, the operator will remain liable for the then current outstanding balance of the Food Truck Insurance Fee.