Food Truck Insurance Made Easy

Get A Quote For Your Food Truck

Have you ever considered what might happen if your food truck was involved in an accident or if a customer became ill after consuming your wonderful cuisine? Well, that’s where food truck insurance comes in. We’ll explore food truck insurance in this article in a lighthearted and understandable manner.

What Is Food Truck Insurance?


The popularity of food trucks as a fun and popular means of sampling various cuisines also carries some risk of mishaps or other undesirable events. In the event of any unforseen events, food truck insurance is a sort of protection for both the owner of the food truck and its consumers.

Types Of Coverage For Food Truck Insurance


General Liability Insurance

Start with general liability insurance, which is the most prevalent kind of protection. This form of coverage includes defense costs, damage to commercial property insurance, and accidents and injuries. So, if someone gets hurt while eating your delicious food or your food truck causes damage to someone else’s property, you’ll be covered. And let’s face it; accidents happen, so it’s better to be safe than sorry.

Commercial Auto Insurance

Next up, we have commercial auto insurance. This coverage protects your food truck and its contents and provides liability coverage for accidents. So, you’ll be covered if you get into an accident while driving your food truck business or if someone steals your precious cooking equipment. And if food truck businesses are your livelihood, then this coverage is an absolute must.

Workers’ Compensation Insurance

Last but not least, we have workers’ compensation insurance. This coverage is essential if you have employees working on your food truck. It covers medical expenses and lost wages for employees injured or ill while working. And let’s face it; accidents can happen in the kitchen, so it’s essential to have the right coverage to protect your employees.

Factors To Consider When Choosing Food Truck Insurance

It can be difficult to choose the best food truck insurance, but there are several things to take into account. The location, the type of food truck, and the food served are all significant variables that may change the kind of insurance required. The amount of protection required might depend on a number of variables, including the size, age, and equipment of the food truck as well as the manner of preparation and risk level of the food being served. While selecting food trailer insurance, local laws and crime statistics are also crucial considerations.

How To Buy Food Truck Insurance

So, how do you go about purchasing food truck insurance? The first step is researching different insurance providers and comparing coverage options and prices. Requesting quotes is also essential to make an informed decision when purchasing a policy. Give BIGinsurance a call and we can give you a detailed estimate for your food truck business.  Rest assured that you and your customers are protected from any unforeseen incidents when dealing with BIGinsurance’s comprehensive food truck insurance.


Food trailer insurance may not be the most thrilling subject, but it’s something you need to think about if you own a food trailer or enjoy eating at one. You can make sure you’re completely protected in the event of any unforeseen accidents by being aware of the different types of coverage that are available, the variables to take into account when choosing insurance, and the insurance purchasing procedure. So go ahead, eat, drink, and be insured!

Frequently Asked Questions About Food Truck Insurance

Why Do I Need Food Trailer Insurance?

Food truck insurance is crucial since it safeguards both you and your clients in the event of any unanticipated mishaps. Without the proper insurance coverage, you could be held responsible for any damages or incurred medical costs due to accidents or diseases that occur at any moment.

How Much Does Food Truck Insurance Cost?

The food truck insurance costs vary depending on several factors, such as the type of coverage needed, the size of your food truck, and the location. To acquire the finest coverage at the lowest cost, it is crucial to shop about and compare quotes from several insurance providers.

What Happens If I Don’t Have Food Truck Insurance?

You can be held personally accountable for any damages or medical costs caused in an accident or illness if you don’t have food truck insurance. Your company can go out of business as a result, leaving you devastated financially. Always take the extra precaution of purchasing the appropriate insurance for your food truck business.

If I Only Attend Events, Do I Still Need Food Truck Insurance Coverages?

Indeed, even if you simply attend events, you still need food truck insurance. Even if you don’t drive as frequently, accidents or other mishaps might still happen at events. So it’s important to have the right coverage to protect yourself and your customers.

Is Food Truck Insurance Required By Law?

Food truck insurance laws vary by state and municipality, but many require some insurance coverage. Even if it’s not required by law, protecting yourself and your business is still a wise investment.

Does Food Truck Insurance Cover Food Spoilage?

General liability insurance and commercial auto insurance policy typically don’t cover food spoilage. However, some policies may cover food spoilage caused by a covered incident, such as a power outage or business equipment failure.

What If I Have Employees Working On My Food Truck?

If you have employees working on your food truck, it’s important to have workers’ compensation insurance to protect them in case of injury or illness. Workers’ comp insurance covers medical expenses and lost wages for employees injured or ill while working.

Can I Add Additional Coverage To My Food Truck Insurance Policy?

Yes, you can often add additional coverage to your food truck insurance policy, such as coverage for equipment breakdown, loss of income, or spoilage of food. Talk to your insurance provider to see what options are available to you.

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