Business Insurance for Food Trucks

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Mobile Food Truck (motorized)
Food truck owner serving food.
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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.
Worker waving inside a 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 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 icon

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.
  • Customer injuries
  • Damaged kitchen equipment
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for food trucks that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • 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
Liquor liability insurance icon

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.

  • 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?

Owner of a food and beverage business calculating costs.

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
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Mobile Food Truck (motorized)