Food Trucks Insurance
Coverage recommendations, carrier options, and cost estimates for insuring food trucks businesses. Built for independent agents quoting this class.
Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. Common claims include customer burn from serving window. Agent note: Many cities require proof of GL for operating permits
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Commercial Auto
essentialLiability, physical damage, medical payments, and uninsured motorist coverage for vehicles used in business operations. For Food Trucks businesses, key exposures include vehicle operation hazard. Common claims include vehicle accident. Agent note: Commercial auto is the primary coverage — the truck IS the business
$1M combined single limit is standard; $500K minimum for most commercial operations
$1,200 - $5,000/year per vehicle for light commercial; $5,000 - $15,000+ per vehicle for heavy trucks
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Food Contamination Liability
recommendedFood Contamination Liability provides specialized coverage tailored to the risks Food Trucks businesses face. Key exposure: foodborne illness. Common claims include foodborne illness.
Varies by carrier and state
Varies by business size and risk profile
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- Vehicle operation hazard
- Propane/fire risk
- Foodborne illness
- Commissary kitchen compliance
- Permit/licensing complexity by city
Carriers That Write Food Trucks
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$2,000 - $10,000 for businesses with $100K - $500K revenue
Key Pricing Factors
- Annual revenue ($100K - $500K is typical for this class)
- Employee count (2-8 is typical)
- Vehicle type and age
- Propane usage
- Number of locations served
- Commissary kitchen arrangement
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our food trucks insurance cost page.
Get Quotes from a Local Independent Agent
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