What Does Food Truck Business Insurance Cover? A Guide for Owners
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Operating a food truck involves unique risks—from cooking equipment and mobile operations to customer interactions and vehicle exposure. Understanding what food truck business insurance covers is essential for protecting your business, employees, and customers.
This guide breaks down the key coverages for food trucks and explains how Wexford Insurance helps owners get tailored policies quickly.
General liability is the foundation of most food truck policies. It protects your business against claims such as:
Bodily injury to customers or third parties
Property damage caused during service
Legal defense costs if someone sues
Many cities, event organizers, and commissaries require proof of general liability insurance before allowing food trucks to operate.
Your food truck is both a business and a vehicle. Commercial auto insurance covers:
Vehicle accidents while driving between locations or events
Property damage or bodily injury caused to others
Repairs or replacement of the food truck after an accident
This coverage is required if you use your truck for business purposes.
Product liability protects your business in case a customer becomes sick or injured due to your food. This coverage helps pay for:
Medical costs
Legal defense and settlements
Claims related to contaminated or improperly prepared food
If you have employees, workers’ compensation insurance is usually required by law. It covers:
Medical expenses for on-the-job injuries
Lost wages while employees recover
Work-related legal claims
Find Now more about workers’ compensation at the U.S. Department of Labor
Food trucks carry expensive kitchen equipment, tools, and inventory. Equipment and property coverage protects against:
Theft or vandalism
Fire or accidental damage
Breakdown of refrigeration or cooking appliances
6. Optional Coverages
Depending on your business needs, additional coverages may include:
Business interruption insurance – Protects lost income if your truck cannot operate due to a covered event
Cyber liability – Protects online ordering systems from data breaches
Liquor liability – If you serve alcohol at events
How Wexford Insurance Helps Food Truck Owners
Wexford Insurance specializes in mobile food vendor and small business insurance, helping food truck owners:
Identify the coverages most relevant to their operations
Bundle multiple policies for cost efficiency
Get fast, accurate quotes tailored to their truck and menu
Access multiple top-rated carriers for competitive pricing
