Food Trailer Insurance
Before you park, protect your business with the best food trailer insurance. Buy online and get same-day proof of insurance.
Ranked best insurance for food trailers by Investopedia
Benefits of Food Trailer Liability Insurance
Discover what our top-rated mobile food trailer insurance can do for your business!
Exclusive Food Trailer Coverage
Extend your general liability coverage to your food trailer when it’s parked and detached
Same-Day Certificate of Insurance (COI)
Get your policy online in minutes and receive your COI instantly
Free & Unlimited Additional Insureds
Easily add event organizers or commissary managers to your policy online for free
What Is Food Trailer Insurance?
Insurance for food trailers combines essential coverages, including general and product liability, to safeguard your business against common claims, such as:
- Third-party bodily injury (e.g., a customer trips over a crate you left in front of your trailer)
- Third-party property damage (e.g., your trailer awning falls off at an event and hits a nearby food trailer)
- Personal and advertising injury (e.g., a competitor accuses you of libel and says you spread lies about them in an ad
- Product liability (e.g., a customer contracts a foodborne illness from your food)
Catering trailer insurance from Food Liability Insurance Program (FLIP) is designed to cover some (or all) of the resulting costs, including:
- Medical bills
- Property repairs/replacements
- Legal expenses to defend yourself against a claim
What Is FLIP’s Food Trailer Endorsement?
The food trailer endorsement extends your general liability coverage to your food trailer when it’s parked and detached from your towing vehicle.
FLIP is proud to be the only provider offering a food trailer endorsement.
Most general liability insurance policies exclude food trailers from coverage because they’re considered commercial automobiles.
With our food trailer endorsement, you’re covered for third-party injuries and property damage that happens in, on, or around your trailer. This only applies only when your trailer is not attached to a vehicle or on the move.
Please note that food trailer insurance is not commercial auto insurance, which is available as a separate add-on coverage. Commercial auto insurance covers damage to/caused by your food trailer when it’s attached to your towing vehicle or moving.
What Types of Insurance Does a Food Trailer Need?
Your trailer needs a few different types of coverage to provide the best protection against common liability claims.
| Type of Insurance | What It Covers | Included in FLIP’s Food Trailer Insurance Policy? |
|---|---|---|
|
Bodily injuries to others or damage to their property |
✅ |
|
|
Bodily injuries or property damage caused by your food/beverage product |
✅ |
|
|
Bodily injuries to others and damage to others’ property that happens in, on, or around your food trailer when it’s detached from your vehicle |
✅
(opt in during checkout)
|
|
|
Claims related to how to advertise your business |
✅ |
|
|
Limited property damage coverage for a rented space |
✅
|
|
|
Damages done to/caused by your work vehicle (including physical damage and medical expenses) |
✖️
(optional)
|
|
|
First- and third-party expenses following a cyberattack (e.g., phishing, data breach, etc.) |
✖️
(optional)
|
|
|
Injuries and property damage caused by your professional advice |
✖️
(optional)
|
|
|
Repairing/replacing damaged or stolen mobile business gear |
✖️
(optional)
|
|
|
Your employees’ work-related injuries or illnesses |
✖️
(optional)
|
How Much Does Food Trailer Insurance Cost?
FLIP’s insurance for food trailers starts at $38.42 per month. This price reflects two key parts of this coverage:
$25.92/month (Starting price for base FLIP policy) + $12.50/month (Cost of FLIP’s food trailer endorsement) = Premiums as low as $38.42/month
Don’t forget to add the food trailer endorsement during checkout! You must add this coverage to your base policy to extend your general liability coverage to incidents involving your trailer.
Learn more about what factors impact the cost of your food trailer insurance.
FLIP: The Best Food Trailer Insurance Provider
Food Trailer Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
If a customer trips over your power cord and gets hurt, this coverage can pay for their medical bills.
Product Liability
Aggregate Limit: $2,000,000
Product liability insurance can cover medical bills or legal fees if a customer gets sick or has an allergic reaction to your product.
Food Trailer Endorsement
Aggregate Limit: $2,000,000
Expands your general liability coverage to incidents that happen in, on, or around your trailer while parked at an event.
Products-Completed Operations
Policy Limit: $2,000,000
If a client sues you because you didn’t cater their event on time or a customer reacts to an unlabeled allergen, this coverage responds to the claim.
Personal and Advertising Injury
Policy Limit: $1,000,000
Pays for legal fees, including defense costs and settlements, if you are sued for slander or copyright infringement.
Damage to Premises Rented
Aggregate Limit: $300,000
Covers property damage to a rented space for the first seven days. Afterwards, it exclusively covers fire damage.
Why Choose FLIP for the Best Food Trailer Insurance?
Check out what others have to say about us from over 300+ available reviews.
Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Inland Marine Limit (Any One Article / Aggregate)
$5,000 / $10,000
Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
FAQs About Insurance for Food Trailers
What Are Common Food Trailer Claims?
Some of the most common claims we get from food trailer owners include:
- Stolen generators
- Fire damage to their trailer/business gear
- Another vehicle crashed into their parked trailer
- Water damage to equipment inside their trailer caused by a severe storm
- Stolen equipment and damage to their trailer after a break-in
Learn more about how food trailer insurance protects your business from claims like these!
How Do I Get a Food Trailer Insurance Quote?
- Start your application
- Select “Food Trailer” as your business area of focus
- When asked if you would like to add a trailer endorsement to your policy, select “Yes”
- Fill out the remaining required fields and include any add-on coverages you need
Is Food Trailer Insurance Required?
Many venues, event organizers, and commercial kitchen landlords require proof of general liability insurance before they’ll accept your application or rent space to you. Since many cities and states require commercial kitchen usage for all food trucks, getting insured is one of the most crucial first steps you take when starting your food trailer business.
Do Food Trailers Need Commercial Auto Insurance?
Yes, commercial auto coverage is critical for all food trailers. If your trailer is damaged or injures someone while attached to your towing vehicle or on the move, only commercial auto insurance can cover the cost of those claims.
Learn more about how commercial auto insurance from FLIP protects your food trailer.
Is the Equipment Inside My Food Trailer Covered?
If you add tools and equipment coverage to your food trailer insurance policy, the equipment and inventory you keep inside your trailer are covered in case of damage or theft. However, if it is permanently attached to your trailer, such as an installed stovetop, it is excluded from coverage.