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Food Truck Insurance

Purchase insurance for your food truck in 10 minutes or less.


Benefits of Food Truck Insurance

How Food Truck Insurance Can Protect Your Mobile Food Business

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Trailer Coverage

If your catering rig is a trailer, no worries! We provide coverage for your food catering trailer. 

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Free and Unlimited Additional Insureds

Extend your concession truck insurance policy to any place you serve food for no extra cost.

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Affordable Coverage

We keep the prices low with agents who don’t make commission and policies that can be purchased 100% online. 

FLIP workers’ compensation insurance is now available for food trucks!

How Much Does Food Truck Insurance Cost?

A basic food truck insurance policy from FLIP starts at $25.92 per month or $299 per year. However, there are additional coverage options that you can add to customize your policy. For example, you may wish to increase your business personal property coverage amounts or add professional liability coverage.

There are a few factors that affect how much your food truck insurance costs. The first is annual gross sales. If your mobile food truck business sales are less than $50,000 per year, the insurance can cost $299 per year. If, however, your annual gross sales are between $50,001–$100,000, then your policy can cost $399 per year.

You also need to factor in how much your business personal property is worth—including items such as equipment, supplies, and inventory. If your business property is worth more than $10,000 then it is an additional $179 per year.

How Does FLIP Food Truck Insurance Work?

FLIP provides a series of insurance coverages that protect your business when claims happen. Most claims, such as third-party bodily injury claims and product liability claims, can cost thousands of dollars. FLIP’s insurance for food trucks can help mitigate or even eliminate those costly claims.

Does Food Truck Insurance Cover My Food Trailer?

A food trailer endorsement on your FLIP policy includes coverage for incidents that occur in, on, or around your food trailer when it is unhooked from your towing vehicle and parked on a rented premise. Most general liability policies exclude coverage for trailers and may leave your business exposed to these types of claims without this endorsement.

Let's Talk About Numbers for Food Truck Liability Insurance


Coverage Details:

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General Liability

Aggregate Limit: $2,000,000

Protects your business from the cost of third-party bodily injury and property claims. This includes if someone claims to have gotten sick from the food they purchased from you. This is also how you protect your business from third-party claims that arise from your business operations.

product liability

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. This coverage is included in your FLIP policy. 

spoon and fork

Tools and Equipment

Aggregate Limit: $10,000 

If one of your fryers is damaged or stolen you could be looking at thousands of dollars to replace it along with any downtime it takes to get your business back up and running. Tools and equipment insurance for food trucks can help mitigate or even eliminate that out-of-pocket cost. 

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Damage to Premises Rented 

Aggregate Limit: $300,000

Great to include on your policy if you are renting a spot at a farmers market, a food truck rally, or anywhere in between. This insurance protects your rented space in case of damage to it. Some organizers might even require you to have insurance and to add them as an additional insured in order to protect them as well. 

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)


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


Medical Expense Limit


Happy multiracial senior women eating at food truck restaurant outdoo
food truck owner handing a customer food

Insurance for Food Trucks

How Food Trailer Insurance Works

If you’re looking for food trailer insurance that protects your business, trailer, and assets all in one place, you have the option of extending your liability coverage while you are parked with our trailer coverage.

How Food Truck Insurance Saves Money

Purchasing food truck insurance could actually save you money. Without insurance, you could be held liable to pay thousands of dollars out of pocket due to unpredictable claims. Purchase food truck insurance today and protect not only your business but your wallet, too!

Why Food Trucks Choose FLIP

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

Why Food Trucks Choose FLIP

560+ Five Star Reviews

Shannon O.
Shannon O.
Hot Day Afternoon BBQ & Catering
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We have had policies with them for probably 11 years and everything has always been so professional, fast and easy. I would never even think of moving to a new carrier.
Brazil M.
Brazil M.
Spryce Company
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Great Insurance Company. All my needs are accommodated through FLIP. I’ve been a client for 7 years and never needed to find a new home.
Shallie A.
Shallie A.
Set the Bar Rentals
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So far, so good! New member to flip! I’ve already received top notch service from an agent, got my insurance and paid my invoice in less than an hour. Thank you to MBP for the referral.
Don B.
Don B.
Madison Lane Farms
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Easy to find a policy I needed. I had a few questions and they were promptly -and very clearly - answered in email. Price is reasonable for the coverage I got. Website is easy to navigate and the user dashboard is helpful.
Chynsia M.
Chynsia M.
Vibrant Life Bakery
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Hello, using and joining the FLIP website was fast, easy, painless and affordable. An agent got back to me promptly if I had any questions. I recommend FLIP to anyone who needs to insure their company.
Emtesha N.
Emtesha N.
Baked Chemistry
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Simple, Easy, affordable coverage! Been with FLIP for over 4 years. I love the unlimited additional insured as well. They have a lifelong customer!!
Whitni S.
Whitni S.
Whit's End Catering
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I’ve been covered by this company for almost 5 years. Very reasonably priced and great customer service.
Ken P.
Ken P.
Slider City BBQ & Catering
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FLIP insurance for my catering company was very affordable and a simple process to obtain. In addition, they respond quickly when asked to add on addition kitchens to the policies.
Alejandro G.
Alejandro G.
Atlanta Vice LLC
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Love the simple and easy process. Customer services answered all of my questions and my returned my immediately instead of waiting for a representative.
Michele M.
Michele M.
M&M Kettlecorn LLC
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It was an easy and fast experience that you don't get with others and I will definitely be using this in the future and to any of those who want to try it, I got one thing to say to you,"JUST DO IT!"
Tanja D.
Tanja D.
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Right what we needed as a startup in the food industry. Affordable insurance and expandable when necessary. Thank you!
Maxine L.
Maxine L.
Chips Galore Cookies and More
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It was am auto renew, which makes it so easy. Was sent a reminder that it was due, and then it was done..did not have to worry about it.

Learn More About Food Truck Insurance

Have Questions? We're On It.

Yes. As a food truck owner, you are liable if injuries, illnesses, or damages happen due to your business operations. For example, if a customer gets sick from your food or if somebody trips and falls over a piece of your equipment and is injured, you could be held responsible.

Claims from incidents like these can easily wipe out your business and personal finances and cause your food truck business to close. With FLIP insurance, you’ll have the protection you need just in case something goes wrong.

An additional insured, sometimes called a certificate holder (COI), is either a landlord or event organizer who requires protection from your liability. Adding them to your insurance policy extends protection from your liability to them. 

If you run your food truck at a food truck hub or farmers market, the location owner/organizer could request to be listed as an additional insured. This will help protect them in case of an incident regarding your food truck at their event.

With a FLIP policy, you receive free and unlimited additional insureds, and you can add as many as you need in minutes through your FLIP online portal.

Food trucks face a unique set of risks, meaning there is a chance for your business to cause harm to people or for other people to cause harm to you. Some risks are more common than others, but can include:

  • A customer or bystander getting hurt on your equipment or by your food truck. 
  • An individual stealing or damaging your business equipment.
  • A customer getting a foodborne illness from the food they purchased at your truck.
  • A fire or other disaster destroys the equipment in your truck.
  • A disgruntled customer sues you for breach of contract for an accident that occurred at a catered event.
  • A cybercriminal hacking your business account and stealing your information.

Food truck general liability insurance
can give you the peace of mind that you need.

No, it does not. FLIP does not provide food truck businesses with a commercial auto policy at this time.