Food truck insurance covers businesses like vending trucks, ice cream trucks, lunch trucks or roach coaches, and catering trucks. If you serve or prepare food from a vehicle, you need to have food truck insurance.
Costs for your food truck insurance policy varies based on the type of truck you use, what type of food you serve or prepare, and the value of your equipment. For example, a truck that serves only prepackaged food will likely cost less to insure than a truck that uses grills or fryers. This is because the equipment inside the truck is not only covered under the policy, but also exposes your food truck business to more risk. On average, policies start at around $300 annually.
Basic food truck insurance falls under the category of Commercial Auto, and we recommend having physical damage coverage on your food truck. This covers any accidental damage to either the vehicle or any equipment that is permanently attached to the vehicle.
Your business also needs a General Liability policy, which protects your business from liability related to any injuries or illnesses caused by your business, such as a customer becoming ill or burning themselves with hot food or coffee.
We also recommend carrying Workers’ Compensation coverage if you have employees that work on your food truck. This protects your employees and pays out benefits if they become sick or injured while working, and protects you from litigation by the employee.
If you own a food truck business, we’ll find you a food truck insurance policy that protects you from whatever the road brings your way. Get started with a free quote.