Food Truck Insurance Cost & Coverage Guide for 2026
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Food Truck Insurance Cost
Running a food truck is fast-paced and full of flavor — but it also comes with risks. From slip-and-fall accidents to employee injuries, food truck insurance can help cover unexpected mishaps so you can stay focused on serving great food.
Let’s break down what different insurance policies for food trucks typically cost, what affects the price, and how Simply Business makes getting coverage easier and more affordable.
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Find the information you need quickly
How much does food truck insurance typically cost?
What are my coverage options and what do they generally cost?
How much will I likely pay for food truck insurance?
Which factors may affect food truck insurance costs?
How Much Does Food Truck Insurance Typically Cost?
Depending on your coverages, food truck businesses pay a median price of $29 per month, or $350 per year.
Here’s a snapshot of what our customers typically pay for food truck insurance:
Monthly Food Truck Insurance Cost1
Under $25
0% of customers
$25 to $95
90% of customers
Over $95
10% of customers
1Data from Simply Business customers specializing as a “food truck business” who purchased at least one or a combination of general liability and workers’ compensation policies from July 1, 2024 to December 31, 2024. Reflected food truck insurance price tiers may not include purchase of all available policies on this page.
What you pay depends on a few key things, including, but not limited to: the type of work you do, your location, how many people are on your team, and the type of coverage or policy you choose. But most food truck businesses pay under $95 per month for insurance.
These numbers are based on real policies purchased through our site. But getting a great premium isn’t just about the numbers — it’s about working with a partner that understands your business. And because we work with a range of trusted insurers, you’ll see coverage options to match your business, so you can choose a customized package that works for you and your budget.
Coverage Options for Food Truck Insurance
Whether you’re a solo operator just starting out or a seasoned pro with a growing team, we can help you find personalized coverage to fit your needs and budget.
Food truck insurance is not a single product, but refers to one or a combination of insurance policies that food truck owners typically need. There’s no one-size-fits-all policy, but here are some of the common insurance coverage options food truck business owners typically consider:
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$28.92
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
How Much Does General Liability Typically Cost?
Based on policies we’ve sold, food truck businesses pay a median cost of $29 per month, or about $350 per year, for general liability insurance. It’s a foundational coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Here’s a snapshot of what our food truck businesses typically pay for general liability insurance:
Monthly General Liability Insurance Costs2
Under $25
0% of customers
$25 to $95
92.5% of customers
Over $95
7.5% of customers
2Data from Simply Business customers specializing as a “food truck business” who purchased a GL insurance policy from July 1, 2024 to December 31, 2024.
What you pay typically depends on a few key factors, including: your location, the type of work you do, the number of employees and/or trucks you have, and the amount of coverage you choose. But most food truck businesses pay under $95 per month for general liability insurance.
To learn more about general liability insurance, check out our helpful general liability cost guide.
How Much Does Workers’ Compensation Insurance Typically Cost?
Food truck businesses pay a median of $120 per month or $1,438 per year for workers’ comp. Most states require workers’ comp for small businesses with full- or part-time employees –– it can help take care of your team if they get sick or injured on the job.
Here’s a snapshot of what our food truck businesses typically pay for workers’ compensation insurance:
Monthly Workers’ Comp Insurance Costs3
Under $150
83% of customers
$150 to $250
17% of customers
Over $250
0% of customers
3Data from Simply Business customers specializing as a “food truck business” who purchased a workers’ compensation policy from July 1, 2024 to December 31, 2024.
Your workers’ comp premium is calculated based on the type of work your team performs, your claims history, and your payroll, among other factors. But most food truck businesses pay under $150 per month.
To learn more about workers’ compensation insurance, check out our helpful workers’ comp cost guide.
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What Affects the Cost of Food Truck Insurance?
If you’ve searched online for food truck insurance, you’ve likely seen a wide range of prices — and for no clear reason why. The truth is there isn’t a set food truck insurance price, since the cost depends on several key factors, including:
A food truck that operates at busy events or uses fryers and grills may cost more to insure than one with simpler prep or limited service hours.
Food truck business owners who work for themselves typically pay less than businesses with large teams working at multiple sites.
Rates may vary by state and city as a result of local laws, risk levels, and foot traffic in your area.
More employees can mean more exposure to accidents and higher workers’ comp premiums.
The more insurance coverage you need, the more you’ll likely pay.
If you’ve had past claims, that could increase your rate.
Have you been in business for years with no claims? That could work in your favor.
Some Ways to Save on Food Truck Insurance
Follow food safety guidelines, handle hot equipment carefully, and maintain a clean workspace — fewer accidents often means lower premiums.
Train staff to use cooking gear properly, watch for hazards, and practice good customer service to help prevent accidents or claims.
Store equipment and inventory safely when not in use, and make sure your truck is properly parked and secured during storms or off-hours.
Put steps in place to prevent future mishaps.
Some carriers offer monthly payments, which you can take advantage of to spread the cost over the year.
Simply Business provides customized coverage options from top-rated small business insurers — all in just 10 minutes. We do all the leg work so you can sit back, compare quotes, and save.
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Hi there, we’re Simply Business, and small business insurance is what we do. We work with top insurers who specialize in small business coverage—no one-size-fits-all solutions here. We’ve worked with thousands of business owners like you, so we have a good idea of what different businesses need. We get it: you do one web search, and the results can be overwhelming, and not in a good way. We can save you from that. We’re ready when you are. It takes just a few minutes online—enter some information about your business, and some pretty cool technology shops for great coverage at competitive prices in just seconds. You choose and purchase the coverage that works for you. Not to worry, we’ve got licensed insurance pros to help you over the phone. Then we zip your Certificate of Insurance and other policy documents straight to your inbox. That’s how easy it is to insure your business with Simply Business.
More Food Truck Insurance FAQs
Food truck insurance is not a single product but typically a collection of one or more insurance policies that can help handle costs that may pop up when you’re serving customers on the go. If a customer has an allergic reaction to the food, or if an employee gets hurt, insurance can help cover medical costs.
Because even a single accident or lawsuit could cost your business thousands of dollars out of pocket. Food Truck insurance helps protect you from a financial hit like that — so that one mistake doesn’t turn into a major setback.
The right combination of policies can cover damage to someone’s property, stolen or damaged equipment, and sick or injured employees.
It depends on your state and if you have employees. Legal requirements vary by state, so it’s worth checking to see what your particular state or city where you operate requires.
But whether it’s required or not, we strongly recommend having insurance coverage. In fact, many event organizers, lenders, or commissary kitchen owners may require proof of insurance before working with you — and having coverage can help protect your business from unexpected costs.
Yes — insurance premiums are usually considered a business expense. But always check with your accountant to be certain.
You can get a full quote in about 10 minutes — and an estimate even faster, with just 3 quick questions.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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