Business Insurance for Food Trucks

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Your food truck is basically a mobile restaurant. For complete business protection, you’ll want to consider insurance that would safeguard any restaurant, plus commercial auto insurance for your truck.

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Insureon helps food truck owners compare insurance quotes from top U.S. carriers with one easy online application.

What business insurance do you need for a food truck?

These policies provide coverage for the most common risks food trucks face.

Business owner’s policy

This policy bundles general liability and commercial property insurance under one plan. It’s often one of the most economical options for a food truck.

BEST FOR

Customer injuries
Damaged kitchen equipment
Business interruption incidents

Workers’ compensation insurance

Workers’ comp is required in almost every state for food trucks with employees. It can help cover medical fees and lost wages for work-related injuries and illnesses.

BEST FOR

Employee medical expenses
Missed wages
Legal costs

General liability insurance

This policy covers common food truck risks, including customer injuries, customer property damage, and advertising injuries. It may be required by a venue owner or event organizer.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

Commercial auto insurance

This policy covers medical bills and property damage in an accident involving your food truck. It also covers weather damage, theft, and vandalism of your food truck.

BEST FOR

Physical damage and collision coverage
Injuries caused to another person
Repairs due to vandalism or weather

Liquor liability insurance

This policy covers the cost of property damage and bodily injury caused by an intoxicated patron, as well as a food truck's related legal fees.

BEST FOR

Injuries caused by intoxicated patrons
Property damage caused by intoxicated patrons
Legal fees for liquor liability lawsuits

Looking for different coverage? See more policies.

Why do food trucks need insurance?

As a food truck owner, you are an expert in street food. People line the blocks to taste your daily specials. But when it comes to insurance, you may not be aware of how essential insurance coverage can be to the survival and success of your mobile food business.

Beyond workers’ compensation to protect your employees and commercial auto to cover your food truck, venues may require you to carry general liability insurance. But a comprehensive business protection plan isn't just about meeting contractual requirements – it's also about giving your business mobility and freedom to grow. Having the appropriate insurance shows you’re prepared to face challenges, and could save you financially if an accident occurs.

How much does food truck insurance cost?

Woman calculating costs in front of box of food and drink.

Several factors will have an impact on insurance costs, including:

Food truck equipment and property
Services offered by your food truck
Revenue
Location
Number of employees

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What our customers are saying

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours. Up to that point, I had spent hours going in circles with others."

Michael D.

Custom programmer

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