Food truck insurance
One application, multiple quotes.
All in one place.
Essential Coverage
From
$28.92
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Coverage
From
$28.92
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Does a Food Truck Business Need Insurance?
Running a food truck means creating eye-popping designs for your vehicle, crafting a delicious menu, and parking where you’ll find the right customers. You’re not a run-of-the-mill truck — you deliver a different cuisine and experience.
Below are some of the most common types of insurance policies that food truck businesses carry to stay protected.
What Type of Food Truck Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/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*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Kind of Food Truck Insurance Do I Need?
Food truck insurance coverage is a bundle of different types of policies. Each policy can have a different benefit that’s specific to your business. Here are two types of coverage we like to recommend for food truck businesses:
Commercial General Liability Insurance
Commercial liability insurance (GL) for food truck businesses can help cover the costs of incidents such as third-party property damage or accidents, bodily injury, legal fees, and more.
Running a food truck can already take a lot of your time and money. Imagine having to pay the cost of a claim on top of your other business expenses. One of the reasons we suggest looking into food trailer insurance with general liability coverage is because without it, in the event of an incident, you may have to pay the claim and any legal fees out-of-pocket.
You may think a customer is unlikely to sue you. But it’s more common than you think. A report estimated that 36%-53% of surveyed businesses are involved in lawsuits in a given year. And if you do get sued for property damage, for example, you could face a claim that averages around $30,000.
That’s a lot of money that could easily put a food truck owner in debt — do you want to take that risk?
So how may general liability insurance coverage work in your favor and help you avoid fees like we mentioned above?
Imagine this: Brandon, the owner of Brandon’s Burritos, mentions Tammy’s Taco Truck in an online post. He says that Tammy’s truck probably serves expired food to cut down on costs.
As this news spread, Tammy’s Taco Truck began to lose business. Long-term patrons saw the Facebook comment and reacted. Tammy suspects that’s why most of the regulars have stopped coming to her Taco Truck.
Since she manages the orders herself and gets fresh food delivered weekly, she knew the statement was false. Tammy sues Brandon for the libelous comments he made about her food. She claims it caused her to lose 50% of her existing business, as well as new local customers.
Without general liability coverage to protect him, Brandon could face paying this claim out of pocket, not to mention the legal fees. Unexpected costs like this could put his business in jeopardy.
If Brandon had a general liability policy, his legal fees could be covered up to his policy’s limit.
Wondering what general liability typically covers?
- Third-party accidents
- Third-party property damage
- Bodily injury to a third-party
- Personal or advertising injury
- Medical expenses
- And more
Here’s what it doesn’t typically cover:
- Professional services
- Damage to your own property
- Damage to your work
- Automobiles while in business use
- Workers compensation or injury to your employees
- Expected intentional injury or damage
- And more
Workers Compensation Insurance
Most states require companies with employees to have workers compensation insurance. This includes whether they’re full-time, part-time, or temporary.
This coverage is also called workers comp. It helps to financially protect your food truck business if one of your employees gets injured or sick while working for you.
A food truck may not take up a lot of space, but don’t let that fool you — food truck business owners can still face big risks. Take a slip-and-fall incident for example. This kind of incident is both common and expensive for business owners.
The average cost of a workers compensation claim is $47,681. That’s nearly the price of another food truck!
Workers compensation insurance could cover you for claims and legal fees, up to your policy’s limit.
Between the claim and legal fees, the potential costs can be stressful for any business owner to consider. Workers compensation insurance coverage can help put you at ease knowing that if an employee gets injured or sick on the job, you’ll have financial protection.
Workers compensation policies for food truck business owners typically do cover:
- Rehabilitation expenses
- Lost wages
- Medical payments
- Death benefits
- And more
Why Should I Get Insurance for My Food Truck Business?
Starting a food truck business is expensive. The truck alone can cost anywhere from $50,000-$175,000. That’s not including inventory, marketing, fuel, and other expenses. So why tack on another cost to your business in the form of food trailer insurance with general liability coverage?
Let’s look at some other examples of claims and their average costs:
- $30,000 for customer injury or damage claims
- $50,000 for reputational harm claims (such as slander or libel)
- $39,000 for work injury claims
- $25,000 for fire claims
Beyond the cost of the claims, there’s also the cost of legal fees if you hire a lawyer to represent your business.
Those legal fees add up. They generally can put your business into as much unexpected debt as a successful claim. The right bundle of food truck business insurance could cover you for those costs, up to your policy limits.
You’re also likely to lose time dealing with a claim. You may end up spending valuable time in court, rather than on the road in your food truck.
Insurance coverage can give you peace of mind. You know you have coverage if you need to spend time working with a lawyer to defend your business.
You aren’t as stressed about the money that time cost you because you know your policy can cover legal fees. Keep in mind that your policy’s limits can impact your legal fee coverage.
Providing financial protection isn’t the only thing insurance coverage could do for your business. In fact, there are several benefits, such as:
- Building client trust
- Renting an office or storage space
- Earning the confidence of vendors
- Buying another food truck
- And more
We provide you with a Certificate of Insurance (COI) when you buy your policy, which means you’ll have proof of coverage if anyone asks about it.
What Does Food Truck Insurance Cost
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Answers to More Food Truck Insurance Coverage Questions
How much coverage you need depends on things like:
- Your location
- How long you’ve been in business
- The size of your business
- And more
Our free quote comparison tool makes it easy to see your coverage options. Our Simply Business licensed insurance agents are happy to answer any questions! We’re available to assist you from 8 a.m.-8 p.m. ET, Monday-Friday.
Insurance premiums are typically tax-deductible from your income tax. But it depends on your specific situation. We recommend speaking with an accountant or tax specialist to learn if you can deduct your insurance coverage premiums on your taxes.
If you have employees, you’re generally required to have workers compensation insurance.
You may need food truck liability coverage, depending on your state and local laws. If you find it isn’t required for your business, it can have other benefits, such as:
- Helping to cover the cost of legal fees
- Helping to gain customer trust
- Securing financial help for your business
- And more
Yes. Different states typically have different insurance requirements for food truck businesses. Using our quote comparison tool, you can see what coverage is available in your area.
You can call our Simply Business licensed insurance agents if you have any questions about your options.
The total cost of your insurance policy will depend on different factors, such as:
- How long you’ve been in business
- Where you’re located
- The number of employees or subcontractors you have
- And more
Curious to see how much your policy options cost? Click here to get started.
You may need coverage for each service you provide. Our licensed insurance agents can help recommend a policy that’s right for your needs.
Have the following information on hand so you can quickly get your policy quote:
- Information on past claims
- Annual revenue statements
- Payroll estimates
Food truck business insurance with general liability and workers compensation coverage can help protect you from:
- Third-party accidents
- Third-party property damage
- Third-party bodily injury
- Unintentional mistakes
- Employee injuries
- And more
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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I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
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Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
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Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
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Owner of Room to Breathe Professional Organizing
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We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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We’ve Got More Helpful Information
9-minute read
A General Liability Insurance Guide for Small Business
*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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