Food & Beverage Truck Insurance
All-in-one liability coverage for wherever you stop, serve, and satisfy cravings.
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What is Food Truck Insurance?
Food truck insurance is a type of food liability policy made to protect mobile businesses from costly third-party claims that can arise during day-to-day operations, like injuries to customers, property damage, or food-related illnesses. It can also cover repairs or replacement of your essential business equipment if it’s damaged, lost, or stolen.
Flexible Policies
With affordable payment plans and nationwide coverage, our policies follow you on your route to success.*
Same-day Protection
Instant access to your Certificate of Insurance (COI) so you’re ready when a venue or organizer asks for proof.
Customizable Coverage
Whip up a policy as unique as your menu with optional coverages for your gear, staff, or online orders.
What Types of Insurance Do I Need for My Food Truck?
Every food truck needs general and product liability at a minimum. Insurance Canopy’s base plan gives you these basics, as well as a few others for the best possible protection:
- General Liability Insurance
- Product Liability Insurance
- Personal and Advertising Injury
- Damage to Rented Premises
- Free, unlimited additional insureds
Need more coverage? Tailor your policy to fit your setup, whether you serve alcohol, operate a trailer, take digital payments, or manage a crew. Optional coverages include:
How Much is Insurance for a Food Truck?
A base food truck insurance policy starts at just $25.92 per month or $299 per year. You can add optional coverage, like Tools & Equipment, to better protect your business from unexpected (and expensive) claims.
Food for Thought
Slip-and-fall injuries are the #1 claim we receive from food trucks. They cost business owners an average of $6,271, meaning you save big when you’re insured!
Food Truck Liability Insurance Limits
The most your policy may pay in a 12-month policy period for third-party injuries and damages that occur at your business location, from your equipment, or your operations.
$2,000,000
The most your policy may pay for each claim (per occurrence/each occurrence) relating to bodily injury and property damage caused by your business operations.
$1,000,000
The most your policy may pay in a 12-month policy period for bodily injury and property damage claims arising from the products you make or sell.
$2,000,000
The most your policy may pay in a 12-month policy period for claims that violate a person’s or business’s rights (excluding physical harm). Offenses include:
-Oral or written publication that slander, libel, or violate a person’s right of privacy
-The use of another’s advertising idea in your advertisement (copyright infringement)
-False arrest, detention, or imprisonment
-Wrongful eviction or entry
-Malicious prosecution
$1,000,000
The most your policy may pay for all claims relating to damage to premises rented to you (including contents inside the premises) within seven days of the start of the policy. After seven days, this policy only covers damages caused by fires.
$300,000
There are no deductibles for liability claims.
NO DEDUCTIBLE
The most your policy may pay for medical bills and costs accrued by an injured person(s) whose injuries were caused by your business operations, regardless of who is at fault.
$5,000
Also known as Inland Marine, this is the most your policy may pay per claim and in a 12-month policy period to repair or replace stolen or damaged gear, equipment, or supplies vital to your business operations that are mobile and not fixed to any one location (excluding autos and food trailers).
$5,000/$10,000
Also known as Inland Marine, this is the amount of money you are required to pay before your policy pays for a claim relating to covered damage or theft of your insured tools and equipment.
$250
Questions About Insurance for Food Trucks
You need insurance for your food truck to:
- Protect yourself from claims, like injuries or food-related illness
- Meet common insurance requirements
- Cover equipment damage, theft, or loss
- Build trust with customers, event organizers, and partners
- Gain peace of mind while you focus on serving great food
Accidents happen, and without insurance, you could be stuck paying thousands out of pocket for a claim. Protect your dreams and livelihood with a policy today!
Yes, you need insurance if you only serve food at events and festivals! It’s designed to quickly fulfill insurance requirements for most events and include additional insureds for free.
It also covers you for common claims you may face at an event, like a customer slipping near your truck or getting sick from your food.
An additional insured for food trucks is a third-party entity you add to your policy before doing business with them, like:
- Event organizers
- Venue owners
- Property managers
- Party hosts
- Markets or festivals
- Cities or municipalities
Adding a third-party to your policy helps extend coverage to them in case there is an accident your business is responsible for. Many events and locations require all vendors, including food trucks, to add them to your policy before they can start serving customers.
No, your personal car insurance won’t cover your food truck because it’s considered a business vehicle. To protect your truck itself, you’ll need a commercial auto policy.
Liability insurance (like what Insurance Canopy offers) covers accidents or claims caused by your truck or business operations — something personal and commercial auto policies don’t include.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Food Truck Insurance That Keeps You Rolling
Starting at $25.92/month – Keep your food truck protected on the go and at every stop. Our flexible, affordable policies cover you for common claims so you can keep serving your best dishes, worry-free.
*Not currently available in Missouri. If you have any questions, please contact us.
