Insurance for Food Trucks
Coverage that rolls with your business.
Get comprehensive food truck insurance that covers your vehicle, cooking equipment, and food service operations wherever you go.
Licensed agents who understand mobile food service deliver fast quotes and help with event permits.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Food Truck Insurance Matters
Protect your mobile kitchen from the unique risks of street food
Food trucks combine vehicle risks with food service liability in a mobile operation. You need coverage that protects the truck itself, the expensive cooking equipment inside, and the food service operations at every location you visit.
Most food trucks need Commercial Auto (for the vehicle and built-in equipment), General Liability (for food service and customer claims), and often Workers' Compensation if you have employees. Many events and locations require proof of insurance before you can operate.
Whether you run a gourmet food truck, mobile catering operation, or specialty dessert truck, proper insurance is essential. Your personal auto policy won't cover a commercial food truck, and homeowner's insurance won't cover your business equipment.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
Commercial Auto
RequiredCovers the vehicle, built-in equipment, and liability while driving.
General Liability
RequiredCovers foodborne illness, customer injuries, and event requirements.
Workers' Compensation
Required if you have employees working the truck.
Industry Risks
Common risks you need to protect against
Real risks food trucks face
See how the right insurance protects your food truck when things go wrong
Risk
Your food truck is involved in an accident while driving to an event, damaging the vehicle and cooking equipment.
Commercial Auto
Covers vehicle repairs, equipment replacement, and liability claims—potentially $50,000+ in damages.
Risk
Your food truck is involved in an accident while driving to an event, damaging the vehicle and cooking equipment.
Commercial Auto
Covers vehicle repairs, equipment replacement, and liability claims—potentially $50,000+ in damages.
Risk
Multiple customers get sick from food served at a festival and file lawsuits.
General Liability (Product Liability)
Pays for legal defense, medical expenses, and settlements.
Risk
Multiple customers get sick from food served at a festival and file lawsuits.
General Liability (Product Liability)
Pays for legal defense, medical expenses, and settlements.
Risk
A cooking fire in your truck causes significant damage to the interior and equipment.
Commercial Auto (Physical Damage)
Covers repairs to the truck and replacement of damaged cooking equipment.
Risk
A cooking fire in your truck causes significant damage to the interior and equipment.
Commercial Auto (Physical Damage)
Covers repairs to the truck and replacement of damaged cooking equipment.
Why Choose Us
Why food trucks choose 1-800-INSURANCE
- Coverage designed for mobile food service operations
- Commercial auto for food trucks and trailers
- Fast certificates for events and festivals
- Equipment coverage for cooking appliances
- Help meeting city and event permit requirements
- Affordable options for new food truck operators
Commercial insurance experts
Essential coverage for food trucks
Compare quotes and get the specific policies your food truck needs
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Food Truck Insurance FAQs
What insurance does a food truck need?
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Food trucks need Commercial Auto (for the vehicle and equipment), General Liability (for food service claims), and Workers' Comp if you have employees. Many events require specific coverage levels.
Does my personal auto policy cover my food truck?
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No. Personal auto policies exclude commercial vehicles. You need a Commercial Auto policy specifically rated for your food truck, which also covers the built-in equipment.
Do events require food truck insurance?
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Yes. Most festivals, breweries, and events require food trucks to show proof of General Liability (typically $1M minimum) and sometimes Commercial Auto coverage. You'll need certificates of insurance.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.