What Insurance Should a Food Truck Have?

Researching what types of insurance you should consider is an important step to take before taking the leap into the world of food trucks. Whether you are lured in for their low start-up costs, or you are testing the waters to see if your food concept will be profitable, starting a food truck business can be an intriguing idea. It seems as though food trucks are popping up more and more. If you are weighing the pros and cons of starting a food truck, there are many factors to consider, including what insurance coverage you will need. 

Who Needs Food Truck Insurance?

As a business owner, protecting the investment you have in your food truck is vital. Food trucks are exposed to many risks. If someone were to break into your food truck and steal your equipment, would you be able to cover the costs out of pocket? What if a bad batch of recalled cheese made a number of your customers sick? Businesses that should consider insurance include but are not limited to: 

  • Lunch Trucks
  • Catering Trucks
  • Concession Trucks
  • Mobile Food Trucks
  • Vending Trucks
  • Ice Cream Trucks

a food truck owner smiles through the window of his business

Commercial Auto for Food Trucks

When it comes to basic coverage that a food truck owner would need, covering your vehicle that you use for business is essential. If you have equipment and appliances attached to your truck, ask about physical damage coverage as well.

General Liability Insurance

As a food truck owner, your goal is for customers to leave raving about your food (and hopefully share their experience on social media!). However, even with the time and passion you put into prepping your best dishes, one bad ingredient could make your customers sick. If you serve your food or beverages too hot, a spill could leave your customers with serious burns. General liability insurance helps protect your business against financial liabilities that result from accidents for which you are legally liable. Some examples of what a general liability insurance policy typically covers are bodily injury, property damage, and product liability. You should review your insurance policy with your local agent to see what your general liability covers.

a cook works behind the stove of a food truck

How Much is Insurance for a Food Truck?

There are some key factors that go in to determining how much you will pay to insure your food truck. The value of your equipment, the policies you choose, and your location will all be factors in determining what you will pay.

close up of a customer purchasing sandwiches from a food truck vendor

Getting Insurance Quotes for Your Food Truck

When it comes to selecting insurance policies for your food truck, it’s a good idea to compare coverages. At Cross Insurance, we work with the nation’s leading carriers as well as regional insurers. With offices in Maine, New Hampshire, Massachusetts, Rhode Island, Connecticut, Vermont,  New York and Florida, our agents are available for account management support. Contact us to request a quote for your food truck.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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