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Food Trailer Insurance

Before you park your trailer, make sure you are covered with our food trailer insurance.


Benefits of Food Trailer Insurance

Get peace of mind when you insure your food trailer. 

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Free and Unlimited Additional Insureds

When a person or organization requests that you add them to your policy, you can do so directly from your user dashboard in minutes.

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Coverage on the Go

We go where you go. Bring your authentic tacos to the crowd and enjoy full coverage wherever the event takes you.

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Food Trailer Endorsement

Extend your General Liability insurance to your food trailer while it is detached from your vehicle and parked on premises

What Is Food Trailer Insurance?

Mobile food trailer insurance is a series of general liability insurance coverages to protect your food trailer when it is unhooked from your vehicle and parked at an event or business location. It is designed to help cover third-party incidents that occur in or on your food trailer. Food Liability Insurance Program (FLIP) doesn’t cover the transportation of your trailer because we don’t offer commercial auto coverage.

How Much Does Food Trailer Insurance Cost?

The cost of food trailer insurance, or concession trailer insurance, starts at $299 per year, or $25.92 per month, and requires a trailer endorsement. This includes up to $2,000,000 in general and product liability coverage. 

We know not all food trailers are the same, so we don’t think all insurance policies should be the same either. Tailor your food trailer policy to your business and add additional coverages and increased limits to fit your unique business needs. 

Additional policy options include: 

  • Food Trailer Insurance Endorsement
  • Increased Liability Limits
  • Professional Liability Coverage
  • Cyber Liability Coverage 
  • Free and Unlimited Additional Insureds

Do I Need General Liability Insurance for My Food Trailer?

Yes, you do need general liability insurance. Without it, you could be faced with enormous expenses that could stem from just one claim. For example, if your business is involved in an accident, you may be held liable to cover hefty costs.

As a food service business, it is vitally important to have both general and product liability insurance in case an individual is injured or becomes sick either from your business operations or from consuming your product.

Additionally, many locations and events where you might want to do business require vendors to have insurance. Picture yourself at a food festival when you notice a customer lingering near your generator. It’s during the lunch rush, so you think nothing of it. Suddenly your food truck loses power, and you discover your generator has been stolen. Without insurance, you’re stuck paying thousands of dollars to replace your stolen generator. 

With insurance for a food trailer, this scenario and claim wouldn’t be as painful. FLIP offers some of the best food trailer insurance available, helping you take care of the costs so you can continue running your business.

Let's Talk About Numbers for Food Trailer Insurance


Food Trailer Insurance Coverage Details

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General Liability

Aggregate Limit: $2,000,000

General liability insurance for food trailers can protect your business in the event of third-party bodily injury or property damage claims. If you run power cords around your trailer, and a customer trips and injures themselves on it, you could be held liable. With General Liability insurance, you’re covered from those costs. 

product liability

Product Liability

Aggregate Limit: $2,000,000

While you never want it to happen, food poisoning is a risk of the trade. However, most claims—like food poisoning—can be unavoidable. Protect yourself with product liability insurance should that claim ever occur to you.

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Tools & Equipment

Aggregate Limit: $10,000

Inland marine insurance extends coverage to your valuable equipment,like a generator, deep fryer, or refrigerator. If your generator or deep fryer is ever damaged by events out of your control—such as weather or theft—then you could be reimbursed or compensated for the damages.

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Damage to Premises Rented

Aggregate Limit: $300,000

Damage to premises rented can help protect your business when you operate in several different locations. It may cover you for damages caused by your business in the places you rent. Plus, FLIP offers business owners free and unlimited additional insureds for those who require it.

Food Trailer Insurance Highlights

Here's what other people have to say about their experience from over 312+ available reviews.

Coverage Details Limits

General Liability Aggregate Limit


Products – Completed Operations Aggregate Limit


Personal and Advertising Injury Limit


General Each Occurrence Limit


Damage to Premises Rented to You Limit (Any One Premises)


Liability Deductible


Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)

$5,000 / $10,000

Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible


Medical Expense Limit


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Have Questions? We're On It.

As a business owner, you are susceptible to many types of claims such as the following:

  • A customer gets sick from the food you served them. They sue you for not preparing the food properly. 
  • A summer storm blows through and a rogue lightning strike blows out your power. You don’t have a generator to keep your food cold. 
  • While at a sporting event, your deep fryer leaks grease all over the concrete, staining it. You are responsible for the cleanup and repairs. 
  • You forget to tape down your power cords and unfortunately, it causes a customer to trip and badly sprain their ankle. They sue you for the negligence of property. 

All of these claims can be unavoidable. However, with food trailer insurance the cost of these claims can be mitigated or even eliminated.

An additional insured is anyone that you rent a space from. This can be an event organizer or landlord. With an additional insured, you extend your insurance protection to them by listing their information on your insurance policy.

You can add an additional insured to your policy at any time by simply logging in to your user dashboard and filling out the additional insured’s information. The best part is that you get FREE, unlimited additional insureds when you purchase a policy through FLIP!

Food truck insurance is different from food trailer insurance because food trucks are mobile vehicles, whereas a food trailer is towed behind another vehicle. 

If you own a food truck, you will need food truck insurance. If you own and operate a food trailer, then you will need food trailer insurance.

No, FLIP’s policy does not include commercial auto insurance.

In order to adequately protect your food trailer you will need these coverages:

  • General Liability Insurance
  • Product Liability Insurance
  • Tools and Equipment Insurance
  • Damage to Premises Rented
  • Food Trailer Endorsement

You have the option to add cyber liability insurance and tools and equipment insurance. With all of these coverages, you can increase the limits to better suit your business needs. 

Of course, you can take precautions to protect your business; however, not all risks and accidents can be avoided. When your business is insured you can rest assured that when a claim happens, insurance can help protect you from the costs associated (such as attorney fees, medical fees, and more).

Insuring your food trailer is easy. All you have to do is add the coverage when you fill out your quote application and select the limits you want to include in your food trailer insurance policy.

  • Personalized limits and coverages to fit the unique needs of your business
  • Get a same-day, completely online quote 
  • Free, unlimited additional insureds
  • Access to all the insurance knowledge of our licensed agents 
  • Agents don’t earn a commission, making your policy premium cheaper
  • 24/7 access to your policy documents and certificates of insurance

Start your quote today to get the food trailer insurance protection of your dreams!