Food Truck Insurance: Cost, Liability & Quotes From $11

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Updated: March 27, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

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Food trucks or lunch trucks are one of the most promising and highly profitable businesses in America. That’s where commercial food truck insurance comes in.

Various insurance companies provide tailored food truck insurance. However,this policy entails different business insurance coverages purchased by other ventures such as restaurants, food carts, catering businesses, breweries, food delivery businesses, and ice cream shops. 

This article gives details on mobile food trailer insurance. Its policies, how much premiums cost, and the best insurance companies. 

Food Truck Liability Insurance 

Liability insurance is a common inclusion in lunch truck insurance policies carriers underwrite for food truck owner-operators and companies. 

General liability insurance, public liability insurance,  product liability insurance, and liquor liability insurance are the most popular food truck liability insurance coverages. Let’s discuss these ones by one. 

Food Truck General Liability Insurance

Coverage for food trucks usually begins with general liability insurance. This food truck business insurance kicks in when a third party holds your business responsible for an accident. General liability insurance for food trailer insurance includes:

  • Third-party personal injuries-Food truck general liability insurance will cover the treatment of other   food vendors, customers, and other third parties who got injured due to your food truck’s business operations. Coverage applies on ambulance fees, surgeries, first aid fees, and other expenses 
  • Third-party property damage-It will provide funds you need to compensate customers, vendors, and other third parties who had their clothing, bag, and other personal effects damaged  due to your food truck’s business operations.
  • Legal expenses-This commercial food truck insurance will take care of attorney fees, administrative costs, settlements, and other legal expenses if persons, who suffered personal injuries or property damage because of your food truck, decide to take things in a court of law.

Product Liability Insurance for Food Trucks 

Your food truck business can also face claims filed because customers sustained allergies or food-borne illnesses due to poor food preparation or employee negligence. This exposure falls out of the scope of general liability insurance. 

The food liability coverage that will give the protection you need is product liability insurance. This insurance, commonly useful for food vendors, concessionaires, and vending machine owners.

It will cover medical expenses of aggrieved third parties who got sick after eating the goods your food truck is selling.  Additionally, you can also use product liability insurance to cover attorney fees, administrative costs, settlements, and other legal expenses. 

 

Food Truck Auto Insurance 

Food truck auto insurance is what carriers call commercial auto insurance. Commercial auto insurance is coverage for vehicles used for business purposes, in this case, the truck or van you’re using to sell food in different places. A typical commercial auto insurance for food trucks provides the following coverages:

  • Auto liability coverage- it will cover the the treatment or reimbursement of third parties who incurred personal injuries or property damage due to an accident your food truck caused 
  • Physical damage coverage- Collision physical damage coverage will cover your food truck’s parts repair or replacement if it incurs damage after hitting an object or another vehicle. 
  • Comprehensive physical damage coverage will take care of replacing or repairing your food truck’s parts if the damage is caused by fire, theft, vandalism, hail, windstorm, and other covered perils 
  • Rental reimbursement coverage-Insurance companies will offer rental reimbursement coverage when you add physical damage coverage to commercial auto insurance. 

 

Workers Compensation Insurance for Food Trucks 

You need to provide coverage for employees who got sick or injured due to your food truck’s business operations. Workers’ compensation insurance shoulders this responsibility on your behalf. By having workers’ compensation insurance, you avoid using personal funds or business funds to pay for the following:

  • Medical treatment/procedure
  • Hospitalization
  • Medication 
  • Rehabilitation
  • Lost income compensation It provides a weekly allowance as compensation for lost income. This weekly allowance will be equal to two-thirds or 67% of the average weekly wage
  • Death benefits-It shoulders funeral expenses and gives financial aid to dependents if your food truck’s employee dies from a work-related injury or disease

Commercial Property Insurance for Food Trucks 

Commercial property insurance is useful if you’re running a thriving food truck business with its own office and storage facility. The primary function of this insurance is to protect you against the following:

  • Building damage-It will recoup losses if your food truck business’s office or storage facility becomes damaged due to fire, theft, vandalism, extreme weather, and other covered perils 
  • Building destruction-When fire and extreme weather destroy your food truck business’s office or storage facility, commercial property insurance will provide the money you can use to cover reconstruction expenses.

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Catering Truck Insurance 

A catering truck is different from a food truck. And so, insurance companies also underwrite catering truck insurance. 

 Catering van insurance cost is $41 per month or $492 per year. Factors that affect the cost of mobile catering van insurance are location, claims history, business experience, revenues, number of employees, and more.

 

Mobile Food Vending Insurance

Mobile food vending insurance for food vendors offers general liability insurance, equipment breakdown insurance, and commercial property insurance. Optional coverages are loss of income coverage and inland marine insurance. 

Food Truck Insurance Cost

Food truck insurance cost isn’t the same for all customers. But in general, food truck insurance average cost for a $1 million general liability coverage is $39.36 per month or $472.32 per year. 

Insurance companies consider many factors when figuring out your food truck insurance price. The most common determinants are location, business history, claims history, risk management programs, and number of employees.

 

Best Food Truck Insurance Companies

Hiscox  

Hiscox’s food trailer insurance provides general liability insurance, commercial property insurance, and workers compensation insurance to the policyholder. More protection can be endorsed such as cyber liability insurance. 

Hiscox’s food truck insurance provides worldwide coverage and a limit exceeding $2 million.

Average cost: $46.35 per month 

Our rating: 10/10

Pros

  • Worldwide coverage
  • Get a quote online or through an agent

Cons

  • Has terrible customer reviews 

 

Thimble

 

Thimble’s tailored insurance for food trucks has general liability insurance and commercial property insurance as inclusions. It’s available as an annual or short-term policy that only lasts for days, hours, weeks, or months. 

Average cost: $45.88 per month 

Our rating: 9/10

Pros

  • Online quotes
  • ACORD 25 certificate of insurance
  • Provides short-term coverage for food trucks 

Cons

  • Customer service doesn’t have a phone number 
  • Doesn’t cover food trucks with bartending services

 

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NEXT 

 NEXT’s food truck insurance comes in the form of a business owner’s policy having general liability insurance and workers compensation insurance.

 General liability insurance this carrier underwrites for food trucks comes with foodborne illness coverage. 

Average cost: $49.09 per month 

Our rating: 9/10

Pros

  • Online quotes
  • Live certificate of insurance
  • Easily seek the help of insurance agents when experiencing issues with your policies

Cons

  • Expensive BOP 

 

 

Progressive 

 Progressive food truck insurance offers general liability insurance and commercial auto insurance. Get this through Progressive Advantage Business Insurance Program 

Note that quotes for your food truck insurance Progressive can be availed via the company’s website or through agents. 

Average cost: $26.25 per month 

Our rating: 8/10

Pros

  • Bundle commercial auto insurance with general liability or other coverages from Progressive and get a 10% or 15% discount 
  • In-house team of insurance adjusters

Cons

  • Claims filing isn’t straightforward 
  • Doesn’t sell burger van insurance policies

 

 

State Farm

 State Farm doesn’t sell tailored food trailer insurance. However, this company can cover you through its food shop insurance. Inclusions are general liability insurance, commercial property insurance, food spoilage insurance, equipment breakdown  and insurance.

 Average cost: Contact an agent for an accurate estimate of rates

Our rating: 7/10

Pros

  • Work closely with agents when purchasing or managing State Farm food truck insurance coverage
  • Fast to respond to claims 

Cons

  • You can only get business insurance quotes through State Farm agents 

 

 

Geico

 Geico offers small business insurance for food trucks. Insurance products you’ll buy from this company are underwritten by Geico’s partners.

 Geico food trailer insurance has general liability, commercial property, workers’ compensation, and other useful coverages.

Average cost: $38.75 per month 

Our rating: 7/10

Pros

  • Provides online quotes so that you can get an estimate of your rates
  • Above-average customer reviews for its business insurance products 

Cons

  • Doesn’t underwrite its own business insurance for food trucks 

 

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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