Trucks are a different risk
Food truck insurance
A truck is a kitchen and a commercial vehicle at the same time, which changes what you have to buy.
This page is general information, not advice, and it is not a policy or an offer of coverage. Coverage terms, availability and exclusions vary by carrier, state and individual risk. Read your own policy — it governs.
Running an actual truck? We specialize in carts, trailers, kiosks, tents and food pods. For a program built around trucks — including the commercial auto side — foodtruckinsurance.com is the better starting point.
Why trucks are quoted differently
A cart is towed or pushed. A truck drives itself, on public roads, usually with the kitchen built into the body. That means two policies rather than one: general liability for what happens around the service window, and commercial auto for what happens on the road. Personal auto will not respond to a vehicle used commercially, whatever the vehicle looks like.
The pieces a truck usually needs
- General liability, including products and completed operations
- Commercial auto, covering the vehicle in use for the business
- Equipment cover for the build-out, appliances and stock
- Workers compensation, once you have employees, in most states
If you also run a cart, trailer or tent
Plenty of operators run a truck in summer and a tent or trailer at winter markets. You can check every type that applies on our quote form, and the non-truck side is exactly what this site is set up for.