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Why do food trucks need insurance?
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 requirements – it's also about giving your business mobility and freedom to grow. Having the right insurance shows you’re prepared to face challenges, and could save you financially if an accident occurs.
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What business insurance do you need for a food truck?
These insurance policies cover the most common risks of food trucks.
Business owner’s policy
A BOP bundles general liability coverage and commercial property insurance in one plan. It’s often one of the most economical options for a food truck.
BEST FOR
- Customer injuries
- Business property coverage
- Business interruption incidents
Workers’ compensation insurance
Most states require workers' comp for food trailers and food trucks that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal costs from work injuries
General liability insurance
A general liability policy covers basic food truck risks, such as an alleged claim of food poisoning. It may be required by a venue owner or event organizer.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability coverage
Commercial auto insurance
A commercial auto 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
Cyber insurance
This policy helps food trucks recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
Does my food truck need commercial auto insurance?
Food trucks that purchase commercial auto insurance often:
- Have a vehicle titled to their business
- Drive to and from worksites
- Carry supplies, equipment, or products used for work
- Transport employees
- Rely on delivery drivers or couriers
Check the laws in your state to see when coverage is required.
What is the cost of food truck insurance?
A food truck with only a few employees will pay less for commercial insurance than a larger business.
Factors that affect premiums include:
- Food services offered
- Food truck equipment and property
- Business income
- Types of insurance purchased
- Deductibles and other coverage options
How to get commercial auto insurance
View video transcript.
Are we a drama free bakery? Umm...What? What drama?
Direct hit!
You never really know what will happen. (screaming)
I deliver pastries, and pastry-like items. All these cupcakes aren't going to deliver themselves.
Don't worry, you have commercial auto insurance. You're covered!
Who put that pole there?
Less drama, more treats! Get all the coverage your business needs by clicking this button.
Protection is peace of mind...and a piece of cake.
How do I get food truck insurance?
It's easy to get food truck insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your food truck, whether you work independently or hire employees.
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