Food Truck Insurance — roll covered.
From the service window to the road, food trucks carry unusual risks most agencies fumble. We build coverage for mobile kitchens — liability, your truck, your equipment, and the certificates events ask for.
Coverage you probably need
General Liability
Covers customer injuries and property damage — what events and commissaries require.
Commercial Auto
Your truck is also your kitchen; this covers it on the road and at the curb.
Property / Equipment
Cooking equipment, generators, and gear against fire, theft, and breakdown.
Workers Compensation
Required in most states once you have employees on the line.
Spoilage / Equipment Breakdown
Helps when a fridge or freezer fails and inventory is lost.
Liquor Liability
Add this if you serve or sell alcohol at events.
What can go wrong
- A customer slips at your window and is injured.
- A grease or propane fire damages the truck or a venue.
- A foodborne-illness claim from an event.
- An accident while driving the truck between gigs.
- A generator or expensive equipment is stolen overnight.
What carriers usually ask
- Your truck details (year, make, VIN) and who drives it.
- Where you operate — events, private catering, a fixed lot, or a commissary.
- Propane and generator use, and fire-suppression on board.
- Annual revenue and number of employees.
- Whether you serve alcohol.
Common contract wording
Events and venues typically require General Liability of $1M per occurrence / $2M aggregate and ask to be named as an Additional Insured, with a Certificate of Insurance (COI) before load-in.
State notes: Health departments and commissaries often require proof of insurance, and auto requirements vary by state. We confirm the exact limits your events and locations demand.
Get covered for Food Truck Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentFood Truck Insurance FAQs
How much does food truck insurance cost?
It varies with your revenue, equipment, where you operate, and whether you serve alcohol. We shop carriers to fit your budget and the limits your events require.
Can I get a Certificate of Insurance for an event today?
Often yes. Once coverage binds we can issue a COI and add the venue as an Additional Insured quickly.
Do I need commercial auto if I have personal auto?
Almost always yes — personal auto policies generally exclude business use, and your truck is a business vehicle.
What if I only operate seasonally?
We can structure coverage around your season and the events you book.
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.