Food Truck Auto Insurance: Requirements & Rates for 2021

Food truck insurance requirements will vary based on the state and county you live in. The monthly price of food truck insurance can cost between $300 to $1,500 annually. The good news is that there are food trailer insurance companies that don’t require an application and that offer specific food truck insurance programs. Other companies, like GEICO and Progressive, offer pieces of the coverage food truck operators need.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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Overview

  • In most cases, food truck insurance is not a straight-forward policy
  • Some companies have bundle coverage options specific to food trucks
  • Additional requirements may vary from city to city; check with your local government

As a restaurant on wheels, you can imagine the complexity of food truck insurance. Foodservice is an already high-risk business, but putting it in motion increases concerns from insurance companies.

There are some programs for food trucks that start as low as $25 per month for primary liability, but some insurance policies can be hundreds of dollars per month.

However, who doesn’t love a food truck? Keep reading to get an understanding of just how much a food truck costs to insure, where to find the right coverage, and what other bumps may lie ahead. Getting business insurance can make those threats easier to handle.

Get linked up with local the right food truck insurance company right here with our free online quote comparison tool. Enter your ZIP code above to start comparing insurance quotes for free.

How much does food truck insurance cost?

Depending on which insurance company you decide to sign with, food truck and/or food trailer insurance can be anywhere from $25 per month up to $200. How well your sales numbers are can also impact your monthly insurance costs with some providers.

Restaurant experts claim the average cost to cover a food truck is between $2,000 to $4,000 per month, including parking, maintenance, and food truck insurance costs. Here are some factors that may change your food truck insurance quotes:

  • Local state/municipal rules
  • Types of cooking equipment
  • The value of equipment
  • Payroll

Keep reading to break down what can affect your food truck insurance rates.

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What kind of insurance do I need for a food truck?

Once you take on the responsibility of a food truck, you are liable for possible illnesses, injuries, or damages that may happen during your business operations.

Some food truck insurance policies to consider include:

  • General liability insurance
  • Commercial auto insurance
  • Contents insurance
  • Workers’ compensation insurance

Let’s break it down:

General liability will cover the truck itself and any other third party while the truck is parked and in business. General liability includes any lawsuit related to food-borne illness or if someone gets hurt while attending your food truck.

Liability insurance does not include coverage on the road or if your employees get hurt (if you have employees). In these situations, you’ll need to consider commercial auto insurance and workers’ compensation.

Contents insurance, also known as business property insurance, covers all the non-permanent pieces of the truck. Anything that isn’t fixed — think signs, cooking equipment, temporary air condition units — is covered with this type of food truck insurance.

Do I need food truck insurance?

Absolutely. If you own your own food truck business, there’s no question that you will want peace of mind while operating your business.

What are the risks of running a food truck business? Consider the accidents and other incidents that may take place during the business. On top of that, food truck owners also need to consider the fact that a crash could mean losing their livelihood. Even more daunting is the mixture of vehicular risks and the threats posed in the food industry.

Why does a business owner need to consider risks? Food truck operators must assess the risk of selling food to consumers. This means that food must be cooked and stored correctly and that the food truck meets state and national sanitation requirements.

Maintaining a food truck walks the line of looking out for public health and keeping yourself safe on the road. The right food trailer insurance company can help you navigate the complex web of business and auto insurance. Keep reading to learn more about the top food truck insurance companies.

The Best Food Truck Insurance Companies for 2021

When you are looking to buy food truck insurance, you may find it’s easier than you thought. In addition to big-name insurance organizations, such as State Farm food truck insurance, some insurance companies specialize in food trailer insurance.

Below is a list of the top affordable food truck insurance options:

  1. Food Liability Insurance Program is one of the best options for food truck insurance. It’s a unique option that allows operators to buy collective insurance. Policies start at $25 per month.
  2. Progressive offers auto insurance to food truck operators. These policies start at $170 per month. However, there are several discounts available to food trucks that qualify.
  3. Hiscox is another food-truck-focused insurance company. General liability policies start at $25 per month and can be adjusted based on your annual revenue.

Now that you know a little more about what goes into keeping your food truck safe, time to start comparing insurance quotes.

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Food Truck Insurance: The Bottom Line

You want to keep you, your assets, and your customers safe when it comes to your food truck service, and there’s a lot to consider when you are feeding people in a mobile kitchen.

While this is a good starting point, continue your research and look into your state’s food truck insurance requirements, whether you may need a license, and if you need to file any specific paperwork in order for you to operate in the area legally.

Learn more now. Use our free comparison tool below to speak with a food truck insurance agent in your area for free. Enter your ZIP code to get started today.

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