Food Truck Insurance
Get affordable insurance for food trucks and enjoy peace of mind wherever your business takes you.
Benefits of Food Truck Insurance
Insuring your food truck business with FLIP has its perks.
Affordable, Customizable Policies
Get coverage that fits your business without breaking the bank. Pay for what you need, not what you don’t.
Instant Access to Your COI
Download your Certificate of Insurance (COI) immediately after checking out, so it’s ready to share with venue owners, festival managers, and more.
Coverage That Goes With You
Your food truck isn’t limited to just one location, and neither is your insurance. Stay covered wherever your mobile food business takes you.
What Is Food Truck Liability Insurance?
Food truck insurance is designed to protect your business from the most common claims by combining essential coverages in one convenient policy. These claims often include:
- Third-party property damage (damage you cause to other people’s property because of your business activities)
- Third-party bodily injury (injuries to other people caused by your business activities)
- Personal and advertising injury (financial damage to others caused by the way you promote your business)
- Product liability (bodily harm or property damage to other people caused by your food or beverage products)
You can be held responsible for any of the above incidents, which can put a major burden on your business. These claims can be very expensive, averaging over $6,000.
That’s where Food Liability Insurance Program (FLIP) comes in. Our food truck insurance can cover the cost of incidents like these, such as:
- Medical bills
- Replacements/repairs to damaged property
- Legal expenses needed to defend yourself against a claim
Who Needs Food Truck Insurance?
From food festivals to fairs, if you take your food truck on the road, you need insurance. Businesses that typically need food truck insurance include:
- Catering trucks
- Coffee/espresso trucks
- Concession trucks
- Full-service food trucks
- Ice cream trucks
- Lunch trucks
- Smoothie/juice trucks
- Vending trucks
If you sell food and/or beverages from a truck, van, or other commercial vehicle, you’re a good candidate for food truck insurance.
What Types of Insurance Does a Food Truck Need?
FLIP’s base food truck insurance policy includes the most essential coverages for your business, but there are others we recommend for the best protection against claims.
| Type of Insurance | What It Covers | Example Claim | Included in FLIP’s Food Truck Insurance Policy? |
|---|---|---|---|
|
Third-party bodily injuries and property damage caused by your business |
A customer slips next to your service window and breaks their wrist |
✅ |
|
|
Bodily injuries to others or property damage caused by your food/beverage product |
A customer gets food poisoning from something you served them |
✅ |
|
|
Claims that you caused financial and/or reputational harm when promoting your business |
A competitor sues you for copyright infringement because they say your logo is too similar to theirs |
✅ |
|
|
Claims stemming from both the food you serve and the services you provide |
A customer has a severe reaction to an unlabeled allergen in food they bought from you |
✅ |
|
|
Limited property damage coverage for a space you rent |
You accidentally cause a grease fire in the commercial kitchen you rent |
✅ |
|
|
Damages caused by/done to your food truck (including physical damage and medical expenses) |
You get into an accident with another vehicle on the way to an event |
✖️ (optional) |
|
|
First- and third-party expenses resulting from a cyberattack (e.g., data breach, phishing, etc.) |
Your electronic payment system is hacked |
✖️ (optional) |
|
|
Injuries to others and damage to their property caused by your professional advice |
A client sues you after taking your online “How to Start a Food Truck” course, claiming your advice caused them to lose money |
✖️ (optional) |
|
|
Repairing/replacing stolen or damaged mobile business gear (not attached to your food truck) |
A thief steals your generator while you’re parked at an event |
✖️ (optional) |
|
|
State-mandated benefits for employees who become injured/ill on the job |
Your employee severely burns their hand on a fryer and needs time off work to recover |
✖️ (optional) |
How Much Does Food Truck Insurance Cost?
A base food truck policy from FLIP starts at $25.92 monthly, or $299 annually.
80% of our customers pay as low as $26 a month.
If you customize your policy with add-on coverages like tools and equipment or commercial auto, the cost of your premium will go up. However, you will be better protected against the risks facing your business.
Learn more about the cost of food truck insurance and which factors directly impact your premium.
FLIP: The Best Food Truck Insurance Provider
General Liability
Aggregate Limit: $2,000,000
Food truck general liability insurance protects your business from the cost of third-party bodily injury and property claims. This includes someone slipping and falling in or around your food truck as well as accidental damages you cause to someone else’s property while conducting business there.
Product Liability
Aggregate Limit: $2,000,000
With food businesses, there is always a risk of food poisoning. Product liability insurance can protect you from the cost of someone suing you due to a foodborne illness or unlabeled allergen.
Damage to Premises Rented
Aggregate Limit: $300,000
This coverage can pay for the cost of property damage you cause to a rented space, such as a commercial kitchen or a spot at a festival. If you rent the space for seven days or less, it will cover any eligible claims associated with the property. However, if you rent for more than seven days, it will only cover damages caused by fire.
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
Why Food Truck Owners Choose FLIP
Here's what other people say about their experience from over 300+ reviews.
Learn More About Food Truck Insurance
Discover what FLIP’s food truck insurance policy includes and how it can protect your business from common claims.
FAQs About Insurance for Food Trucks
Do I Need Insurance for My Food Truck?
Yes. You can be held liable if injuries, illnesses, or damages happen due to your food truck operations.
Does Commercial Food Truck Insurance Cover My Food Trailer?
Business insurance from FLIP can cover your food trailer if you add our exclusive food trailer endorsement to your policy.
This extends your general liability coverage to include incidents occurring in, on, or around your food trailer when it’s detached from your towing vehicle and parked at a food festival, farmers market, or other rented premises.
This endorsement is only available from FLIP and costs $12.50 per month.
What’s the Difference Between General Liability and Commercial Auto Insurance for a Food Truck?
General liability insurance covers third-party bodily injuries and property damage caused by your business operations. Commercial auto insurance covers bodily injury or property damage caused by your food truck, plus damages to the food truck itself. Both are crucial coverages for food truck businesses.
Keep in mind, FLIP’s food truck policy is not a commercial auto policy. However, we do offer commercial auto liability coverage that you can bundle with your general liability policy!
Do I Need a Special Policy If I Operate in Multiple States or Travel to Different Events?
Nope! FLIP’s food truck policy covers your business wherever you go — including other states — provided you follow the laws and regulations for food truck businesses in that area.
Is Food Truck Insurance Required by Law?
Some types of insurance for food trucks, such as commercial auto and workers compensation, may be legally required in your state.
However, just because a type of coverage isn’t legally required doesn’t mean it’s not important for your business. Other individuals and organizations you work with, like commercial kitchen owners, often require proof of liability insurance before they will work with you.
Having the right coverage for your food truck means potentially saving yourself thousands of dollars or more if you’re hit with a claim. That kind of financial security is a critical part of a healthy, thriving business.
Are COIs Included for Festivals and Events?
Yes, you can download a copy of your COI at any time from your online user dashboard. It will also be ready for you immediately after purchase.
If someone else, such as a festival manager, wants a copy with their business/organization listed as an additional insured, you can also do this from your dashboard. Or, if you’re purchasing a new policy and need to add an additional insured right away, you can do so in your application.
How Fast Can I Get Coverage?
It takes most people 10 minutes or less to get a base food truck insurance policy online with FLIP. Just follow these steps:
- Start your application
- Select “Food Truck” and any additional business activities (if applicable)
- Fill out the required information
- Get your free quote and finish checking out
Does FLIP’s Food Truck Business Insurance Cover Food Spoilage?
If you add tools and equipment coverage to your food truck insurance policy, you receive limited coverage for food spoilage as long as it’s connected to a covered incident. This means it must be related to either damage or theft of your mobile business equipment.
For example, let’s say someone steals your generator at an event, cutting power to your fridge and spoiling all the perishables inside. FLIP’s tools and equipment insurance could cover the cost of the spoiled food and the stolen generator (up to the policy limits).