Get a free quote online with a soft credit pull.
As the nation's largest volume bond and insurance producer, we negotiate the best rates.
Your policy will be accepted, or we’ll refund your payment in full.
The amount of food trucks in the US is projected to more than double between 2020 and 2030, growing at a rate of 6.4% annually. There are many opportunities for food businesses to get into mobile vending right now. However, with any good opportunity, there are also risks to consider—kitchen accidents, injured customers, food spoilage, vandalism, theft, etc.
Thankfully, Food Truck Insurance can help you manage those risks.
- Food Truck Insurance is a type of food business insurance required in most states to serve food and beverages from a mobile restaurant. However, this legal requirement is also deeply beneficial for your business.
In short, Food Truck Insurance ensures that you don’t have to foot the costs of accidents and other unexpected events alone. It financially protects your business, so you can keep on truckin’.
Types of Insurance Coverage for Food Trucks
There are many different types of insurance options for food truck businesses. Below, we have listed the most popular among our customers. Note that depending on your business and its operations, you may not need them all. For example, if you aren’t serving liquor, you do not need Liquor Liability Insurance.
Commercial Auto Insurance
Covers bodily harm and vehicle damage due to a car accident or other motor vehicle event. For example, say you accidentally damage someone’s car backing up your food truck.
Commercial Property Insurance
Covers your business property and its contents (equipment, inventory, furniture) in the event of theft, vandalism, fire, or weather-related damage.
General Liability Insurance
One of the most popular types of insurance for food trucks. It covers if your business causes damage to other people’s property or if you cause a customer bodily harm.
Business Owners Policy (BOP)
Combines multiple types of insurance, most commonly General Liability Insurance and Commercial Property Insurance. Business Interruption Coverage is also frequently added to a BOP to cover expenses during a temporary business closure. Closure may be due to a foodborne illness outbreak, weather event, fire, etc.
Workers’ Compensation Insurance
This policy covers medical care, medical bills, lost wages, and disability for employees injured on the job. This insurance policy is legally required in most states for any food place with employees.
Liquor Liability Insurance
Needed for food trucks serving alcoholic beverages—in some states, it is a prerequisite for a liquor license. Additionally, it protects your business from accidents arising from intoxicated customers.
Professional Liability Insurance
Protects against losses that may not be covered by regular liability insurance. This covers if a customer sues you for alleged acts or omissions while serving them. Also referred to as Errors and Omissions Insurance (E&O insurance).
Cyber Insurance
If you store customer information electronically for loyalty programs, marketing, or any other reason, there is always a chance of a data breach. If this happens, this can open your small business up to costly legal trouble. Cyber insurance covers cyberattacks and data breaches, offering coverage to contact customers, repair your systems, and more.
How to Obtain Food Truck Insurance
1. Get a Food Truck Insurance Quote
Fill out our online insurance application. This one-page form only takes a few minutes and sends a couple of insurance options (and their prices) directly to your inbox.
Information that you will need to complete the application:
- Business Information: Name, start year, description of operations.
- Federal EIN
- Contact Information
2. Purchase Your Insurance
Your insurance quotes will arrive in your inbox within a few minutes. Then, simply follow the email instructions to purchase your insurance policy online. We will send you a Certificate of Insurance (COI) as soon as your payment clears.
If you have any questions or want to further customize your insurance policy, please get in touch with one of our insurance agents at 888-592-6631.
How Much Does Food Truck Insurance Cost?
On average, food truck owners pay around $130 monthly for a Business Owner’s Insurance Policy.
The cost of food truck insurance varies depending on multiple factors. This includes, but isn’t limited to:
- Amount of coverage required
- The state the business is located in
- Number of employees
- Past insurance claims
- Revenue & payroll
- Business experience
Get a free food truck insurance quote.
“We pay a little over $200 monthly for our food truck insurance and it turned out to be worth every penny. Last summer, a fryer malfunctioned, causing a huge grease fire. No one was hurt. But it devastated our little taco truck and damaged the ice cream vendor’s truck beside us. Without insurance, there is no way we could have covered the cost of repairing our neighbor’s damage and replacing our whole setup. Insurance is the only reason we are still in business.” – Carl R.
Benefits of Food Truck Insurance
In most states, you need Food Truck Insurance to legally sell and serve food and drinks from a mobile restaurant. However, Food Truck Insurance has many other benefits beyond complying with state laws.
- Driving Accident Coverage – When your business is on wheels, it opens you up to risks that stationary restaurants don’t have. From getting hit by another vehicle to accidentally damaging someone else’s property, accidents can be costly if you don’t have insurance. Not only can these events damage your vehicle, but your equipment and food inside the truck as well.
- Employee Protection – According to the National Safety Council, a worker is injured on the job every 7 seconds. And the tight quarters of a food truck are no stranger to accidents. Whether it's a grease burn or a sprained wrist, policies like Workers Compensation Insurance ensure if an employee is injured, they will be compensated.
- Property Damage Reimbursement – From slashed tires to stolen property, damage or thievery can set your business back financially. Want to cover yourself if food gets spoiled due to a generator failure or other equipment malfunction? Consider Food Spoilage coverage.
- Appliance Replacement or Repair – From hot working conditions to treacherous potholes, your kitchen equipment can take quite a beating in a food truck. Insurance can help you cover replacement or repair costs if your equipment malfunctions.
- Lawsuit Assistance – If a customer tries to sue you for food poisoning, hitting their head on your awning, or other bodily injury, professional liability insurance can help cover legal expenses.
- Supplementing Lost Income – Without insurance, if you have a temporary closure due to the health department, weather event, fire, etc., you lose out on the revenue you would generate by being open. There are restaurant insurance policies that will help cover those losses, including employee wages, utilities, and more.
Frequently Asked Questions about Food Truck Insurance
Do I need separate insurance for my food truck and business operations?
If you already have Restaurant Insurance, Food Vendor Insurance, or similar, you can often cover your food truck under the same policy. However, you may need to increase your coverage limits and add some additional types of coverage.
Already have insurance for a non-food business? It is a good idea to separate your food truck by taking out a new insurance policy. Get a Free Food Truck Insurance Quote Today.
What happens if I operate in multiple states?
If your food truck business operates in multiple states, you must ensure that your insurance meets each location’s requirements. Some states require specific types of insurance coverage (ex. General Liability Insurance) and mandate that you hold a policy with a minimum coverage limit (ex. 1 Million).
Can I bundle different types of insurance into one policy?
Yes, you can bundle different types of insurance into one policy. One of the most popular insurance bundles is a Business Owners Policy (BOP). In this policy, you can combine types of coverage, such as General Liability Insurance and Commercial Property Insurance. You can also add additional coverages, such as Business Interruption Insurance and Professional Liability Insurance.
Learn more about getting a Business Owners Policy (BOP).
Sources
U.S Food Truck Services Market Size & Share Report, 2030. (n.d.). In www.grandviewresearch.com. Retrieved February 20, 2025, from
https://www.grandviewresearch.com/industry-analysis/us-food-truck-services-market-report
Workplace Injuries by the Numbers - National Safety Council. (n.d.). In www.nsc.org. Retrieved February 20, 2025, from
https://www.nsc.org/workplace/resources/infographics/workplace-injuries-by-the-numbers
Commercial & Business Insurance Guide. (n.d.). In JW Surety Bonds. Retrieved February 20, 2025, from
https://www.jwsuretybonds.com/business-insurance
Food Business Insurance. (n.d.). In JW Surety Bonds. Retrieved February 20, 2025, from
https://www.jwsuretybonds.com/business-insurance/industries/food