Food Truck Insurance — Coverage, Cost & Requirements
Mobile food vendor insurance covering the vehicle, equipment, food liability, and events.
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What Coverage Does Food Truck Insurance Include?
Most food truck businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Food Spoilage
Covers inventory losses from power outages, equipment failure, or contamination.
Equipment Breakdown
Covers mechanical or electrical failure of business equipment and loss of income during downtime.
How Much Does Food Truck Insurance Cost?
The cost of food truck insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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