Food Truck Insurance For Mobile Food Businesses 
What types of insurance does a food truck need?
Commercial Food Truck Insurance with the Coverage You Need
Running a food truck takes hustle, passion, and smart protection. At Gild, we provide food truck insurance designed specifically for small businesses and mobile food service entrepreneurs. Whether you serve tacos, coffee, or gourmet meals on the go, our flexible plans include commercial food truck insurance, food truck liability insurance, and more.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Why Food Truck Insurance Is Essential
Food trucks may be mobile, but their risks are constant. From grease fires to collisions or customer illness, a single incident can jeopardize your operations. Tailored food truck insurance helps ensure your vehicle, equipment, and income are protected—so you can keep serving confidently, no matter where the road takes you.
What Does Commercial Food Truck Insurance Cover?
Your food truck insurance should cover the risks that come with running a mobile business.
Key coverages include:
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General Liability – Covers third-party injuries or property damage, like slips or food-related claims.
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Commercial Auto Insurance – Protects your truck on the road.
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Property Coverage – Safeguards cooking equipment, signage, and supplies.
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Workers’ Compensation – Supports employees if they’re injured on the job.
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Business Interruption – Replaces income if your truck is sidelined after a covered event.
Optional add-ons can also include spoilage coverage, cyber liability for mobile payments, or special event protection.
Food Truck Insurance vs. Food Cart Insurance
Your insurance needs depend on how your business is set up. Both food trucks and food carts face similar risks such as property damage, liability claims, and equipment loss, but the coverage you need can vary.
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Food Truck Insurance: Because food trucks are self-powered vehicles, they require both commercial auto insurance and general liability insurance. You need protection for accidents on the road, vehicle damage, and customer injuries or property damage while serving food. Additional coverage such as equipment breakdown and business interruption insurance can help you recover quickly if your truck needs repairs or temporarily cannot operate.
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Food Cart Insurance: Food carts are towed rather than driven, so coverage focuses on liability and property protection instead of auto risks. You may need separate towing or auto coverage for the vehicle pulling your trailer, along with insurance for off-site cooking equipment, stored food, and customer safety.
With Gild, you get a plan tailored to your specific operation. Whether you run a full-service food truck, a food cart, or a mobile catering setup, we help you compare policies, find affordable options, and secure coverage that fits how and where you do business.
How Much Does Food Truck Insurance Cost?
Generally, premiums range from $500 to $1,000 a year, on average. Costs vary based on your food truck’s:
- Value
- Equipment
- Mileage
- Menu
- Employee Count
- Location
The best way to find your food truck insurance cost is to get a free, online quote in minutes!
Why Choose Gild for Food Truck Insurance?
At Gild, we go beyond your food truck insurance policy. Our experts help you:
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Identify insurance requirements for your state and event venues
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Close coverage gaps that could leave you exposed
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Access fast quotes and responsive support
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Connect with trusted partners to streamline your business
From daily service to large-scale festivals, Gild helps your food truck business stay protected while you stay focused on serving customers.
Get The Best Insurance For Food Truck Business Today!
The best insurance for food truck business depends on your specific truck, the food you serve, and the unique offerings of your business, like festival work! Gild Insurance simplifies securing the best food truck insurance tailored to your specific needs, our small business specialists actively learn about your business and diligently find the right policy, so you can hit the road with confidence.
Frequently Asked Questions
A tailored insurance package for your mobile kitchen should include:
- Commercial Auto Insurance: Required for accidents, vehicle damage, and liability while driving or parked.
- General Liability Insurance: Covers slip-and-fall incidents, burns, or foodborne illness claims.
- Product/Contamination Insurance: Protects against claims if food spoils or causes illness.
- Inland Marine (Tools & Equipment) Insurance: Covers cooking gear and equipment while you're on the move.
- Commercial Property Insurance: Protects the truck’s kitchen and built-in equipment.
- Workers’ Compensation Insurance: Required if you have employees—covers their injury-related costs.
- Liquor Liability Insurance: Necessary if you serve alcohol, protecting against claims from intoxicated patrons.
Gild helps you bundle all the coverage you need into one flexible policy—no gaps, no stress.
What does food truck insurance cover?
Here’s a breakdown of your coverage:
- Bodily Injury & Property Damage: From client injuries or accidental damage to your truck.
- Food Poisoning & Contamination: Claims stemming from spoiled, improperly stored, or unsafe food.
- Vehicle & Equipment Damage: Covers accidents, theft, or vandalism of your truck and gear.
- Business Interruption: Helps replace income if you must pause operations due to covered damage.
- Employee Injuries: Covered by workers’ compensation if you have staff.
- Liquor Liability: If serving alcohol, this protects against alcohol-related harms.
Gild packages all the protections you need—so you can focus on serving great food, wherever you go.
How much does food truck insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Do food trucks need commercial auto insurance?
Absolutely!
- Personal auto policies don’t cover commercial use—driving your food truck without commercial auto insurance can leave you financially vulnerable in an accident.
- Coverage protects against vehicle damage, third-party injuries, and theft while the truck—and your business—is on the road.
Get The Best Insurance For Your Business!
Get Covered
