Insurance denials usually trace back to a mismatch between what you bought and what you actually do. Avoidance is cheaper than litigation. A food truck needs: commercial auto, commercial general liability, product liability, property coverage, workers comp, and often an umbrella. Catering, festival operations, alcohol service, and grease cooking are sometimes excluded by default — confirm each is listed. Disclose everything to your broker — all employees, drivers, services, events. When a claim is denied, request the denial in writing with the specific policy section cited. If the denial seems wrong, escalate to the carrier claims supervisor, then file a complaint with your state insurance department, then consult a coverage attorney. A 24-hour lapse can void coverage retroactively. Set autopay and review the policy every renewal.