Commercial Food Truck Insurance
Get the right commercial food truck insurance to protect your business from accidents, liabilities, and unexpected risks. Compare affordable coverage options and keep your food truck running smoothly!
Choose the right coverage from trusted insurance providers.
Why Is Insurance a Must for Food Trucks?
The right insurance helps protect your food truck, employees, and business. Many venues require general liability insurance, while workers’ compensation and commercial auto cover accidents and legal requirements.
A comprehensive plan ensures mobility, and freedom to grow, and keeps you prepared for challenges while helping you save financially in an accident.
What type of insurance is required for a food truck?
These insurance plans help protect against the most common risks associated with food trucks.
Business owner’s policy
A BOP is an economical insurance plan that bundles general liability coverage and commercial property insurance into one protection option. It helps food truck owners cover customer injuries, business property coverage, and business interruption due to unexpected incidents.
Under this plan
Customer Injuries
Business property coverage
Business interruption incidents
Commercial umbrella insurance
A commercial auto policy covers a food truck in case of an accident, weather damage, theft, or vandalism. It includes collision coverage for repairs and physical damage, as well as medical bills for injuries to another person. Property damage protection is also included.
Under this plan
Accidents and repairs
Weather damage and vandalism
Medical bills for injuries
Liquor liability insurance
A liquor liability policy covers the cost of lawsuits, legal fees, and property damage caused by an intoxicated patron at a food truck. It also protects against bodily injury and other injuries that may occur due to alcohol service.
Under this plan
Lawsuits & legal fees
Property damage & injuries
Incidents with intoxicated patrons
Cyber insurance
A policy helps food trucks recover from cyberattacks and data breaches, especially if the business stores customer information. It is recommended to cover data breach notification costs, fraud monitoring services, and cyber extortion payments.
Under this plan
Data breach notification costs
Fraud monitoring services
Cyber extortion payments
General liability insurance
A general liability policy is required for a food truck to protect against common risks like slip-and-fall accidents, damaged customer property, and alleged claims of food poisoning. Many venue owners and event organizers demand this coverage, which also includes product liability.
Under this plan
Slip-and-fall accidents
Food poisoning claims
Damaged customer property
Worker’s compensation insurance
Workers’ comp is a requirement in many states for food trucks and food trailers with employees. It protects both sole proprietors and workers by covering work injury costs, medical expenses, disability benefits, and legal costs. Without it, health insurance denial may occur for work injuries.
Under this plan
Work injury costs
Medical expenses
Disability benefits
Do Food Trucks Need Commercial Auto Insurance?
Food trucks must purchase commercial auto insurance if the vehicle is titled under a business. If you drive to different worksites, this insurance helps carry important supplies, equipment, and products used for work.
It also covers transport for employees and is necessary if you rely on delivery drivers or couriers. Always check the laws in your state to know what coverage is required.
How to Get the Best Food Truck Insurance?
It’s easy to get food truck insurance by following three simple steps. First, gather basic facts about your business, such as revenue and the number of employees. Then, submit a free application to a trusted company like Eagle Nation to compare quotes from top-rated U.S. providers.
Finally, choose the right coverage, pay, and download your certificate of insurance. You can buy a policy online or work with licensed agents to ensure the best fit. Whether you need to hire staff or operate independently, the right policies will keep you protected.
Customized insurance for your food truck
Operating a food truck requires the right business insurance to protect against unexpected risks like accidents, injuries, property damage, and legal fees. Different insurance packages are available to cover not only food trucks but also trailers, carts, and mobile food vans, providing tailored coverage based on specific needs.
A commercial policy typically includes:
- General liability – Covers third-party injuries and property damage.
- Workers’ compensation – Helps employees with medical costs from work-related accidents.
Choosing the right coverage ensures your business stays secure while serving customers.
Food Truck Insurance Requirements
Before food trucks can start selling, they are often required to have insurance to handle different types of risk, including injury and damage. Many property owners and local governments demand active insurance before allowing operations in their areas.
The core coverages include:
- General liability – Protects against third-party injury and property damage.
- Workers’ compensation – Mandatory in most states if you hire employees.
- Commercial auto insurance – Covers vehicles used to drive the business.
- Additional coverage to repair, replace vital equipment, and protect ingredients.
Having the right policy ensures smooth operations and safeguards your investment.
Who Should Get Food Truck Insurance?
Mobile food trucks, ice cream trucks, catering trucks, vending trucks, lunch trucks, and concession trucks all need insurance to protect against risks. Any food vendor operating a truck should have coverage for:
- Accidents or property damage
- Customer liability claims
- Equipment and inventory protection
- Compliance with regulations and event rules
Resources for Food Truck Owners
Running a food service business comes with challenges, but there are hundreds of resources to track progress and run operations smoothly. Food truck owners can access curated guides, checklists, and expert tips to help protect their investments and grow successfully.
Cost Breakdown of Food Truck Insurance
The cost of food truck insurance varies based on factors like location, number of employees, type of coverage, selected coverage limits, claims history, and insurance companies’ calculations. Since food truck businesses pose different risks, their rate depends on the risk factors involved. For instance, a truck that sells prepackaged goods will pay less than one that prepares grilled or fried foods, as fryers and grills expose the business to additional risks like fires.
Impact of Equipment Value on Insurance Costs
The value of attached equipment also affects pricing. For example, if it’s worth $15,000, the insurance might be higher than for $8,000 in equipment. This slightly higher rate accurately reflects the risk. A basic policy starts at $25.92 monthly or $299 annually, covering general liability, personal and advertising injury, product liability, and damage to premises rented.
How Annual Sales Affect Policy Rates
Annual gross sales further influence the policy. If sales are less than $50,000 per year, expect to pay around $299, while earnings between $50,001–$100,000 increase it to $399. Another factor is business personal property. If items, supplies, or inventory are worth more than $10,000, expect an additional $179.
Optional Coverages for Added Protection
Optional coverages like tools, and trailer endorsement can increase your premium but protect you from paying out of pocket for a claim. The base policy covers essentials, but commercial property, business income, and other coverage options vary based on how you operate, where you cook, and the food services offered. Choosing the right types and deductibles ensures your business stays secure.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
Frequently Asked Questions About Food Truck Insurance
Running a food truck business is exciting, but it also comes with unique risks. A well-structured food truck insurance policy is essential to protect your food truck and finances from unexpected events. Unlike a brick-and-mortar restaurant, food trucks take their services to a wide variety of locations, which increases the chance of accidents, injuries, and liability claims. Without the right business insurance, food truck owners may end up paying thousands of dollars out of pocket for lawsuits, property damage, or even equipment breakdowns.
Costs
The cost of a food truck policy varies, but Eagle Nation reports that the average price depends on several factors, including the type of insurance and the coverage selected.
Comprehensive Coverage for Food Trucks
Eagle Nation offers customized insurance policies designed to help food truck operators handle common risks like third-party bodily injury, slip-and-fall injuries, allergic reactions from eating food, or illnesses caused by contamination. Whether you own your truck or rent space at an event, having multiple coverages in place ensures your finances remain protected.
Protect Your Business Today
We've partnered with top providers to find the business insurance you need, including a series of liability coverages to cover everything from lawsuits to property damage. Don’t wait until a claim is filed—secure your food truck insurance today to stay prepared for any challenge!
Operating a food truck comes with many risks, but the right insurance helps protect your business from financial losses. It covers:
- Property damage – A miscalculated height hitting an awning can be costly, but coverage pays for replacement.
- Accidents & injuries – If a customer trips over a wheel and suffers foot fractures, or a stove causes burns, liability insurance and workers’ compensation handle medical bills and lost wages.
- Vehicle accidents – If you hit a parked car’s rear bumper, commercial auto insurance covers repairs for business-owned vehicles.
- Spoiled inventory – A broken refrigerator can spoil ingredients, but commercial property insurance protects your food inventory.
- Affordable packages – Plans are designed to save money while meeting law-required protections, helping businesses grow safely.
Whether facing workplace injuries, unexpected moving damage, or a harmed employee, having the right insurance prevents costly surprises.
A food truck and a food trailer have different risks, so insurance may require an endorsement for full coverage. Many policies exclude claims if the trailer is unhooked from the towing vehicle, or parked at a food festival, farmers market, or rented premises. Adding general liability and commercial auto coverage ensures protection from incidents on the road and at events.
A food trailer needs insurance to handle liability claims and damage risks. General liability covers injuries on-premises or rented spaces, while product liability protects against food-related issues. Professional liability covers service mistakes, and inland marine insurance secures tools and equipment in transit. Workers’ compensation is an optional coverage for employee injuries.
As a general rule of thumb, food businesses can expect to pay between $1,000 and $3,000 annually for insurance. Property insurance premiums usually range from 1 percent to 3 percent of the property’s value, depending on coverage needs.
Food truck operators typically pay an average of $84 per month or $1,007 annually for a business owner’s policy (BOP). This plan bundles general liability insurance and property coverage at a discounted rate, offering essential protection for the business.
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Eagle Nation makes getting food truck insurance simple and budget-friendly. Their online quote comparison helped me find the best coverage fast. Highly recommend for food truck owners!