Business Insurance for Food Trucks

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Food truck owner serving food.

Save money by comparing business insurance quotes for food trucks

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.
Man working at a hot dog food truck.
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Multiple quotes with one application

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

What insurance policies do you need for a food truck?

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

Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. It’s often one of the most economical options for a food truck.
  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Workers’ compensation insurance icon

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.
  • Employee medical expenses
  • Missed wages
  • Legal costs
General liability insurance icon

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.
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Commercial auto insurance icon

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.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

How much does insurance cost for food trucks?

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
View Costs
What our customers are saying
"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."
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Customer since 2016
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Why do food trucks need insurance?

Beyond workers’ compensation to cover your employees and commercial auto to cover your food truck, venues may require you to carry general liability insurance. Having the appropriate insurance shows you’re prepared to face challenges, and could save you financially if an accident occurs.
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