How to Get Food Truck Business Insurance for Your Food Truck Company
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 3 min read
Operating a food truck is an exciting business, but it also comes with unique risks. From cooking equipment and mobile operations to customer interactions and vehicle exposure, food truck business insurance is essential to protect your company from financial loss and legal claims.
This guide explains what food truck insurance covers, how to get insured quickly, and why working with Wexford Insurance makes the process simple and affordable.
What Is Food Truck Business Insurance?
Food truck business insurance is a combination of policies designed to protect mobile food vendors from risks such as customer injuries, food-related illnesses, vehicle accidents, equipment damage, and employee injuries.
Many cities, event organizers, and commissaries require proof of insurance before allowing food trucks to operate.
Why Food Truck Companies Need Insurance
Food truck businesses face risks that traditional restaurants may not, including:
Customer injuries at service windows
Foodborne illness claims
Fires caused by cooking equipment
Auto accidents involving the food truck
Theft or damage to kitchen equipment
Without proper insurance, a single incident could shut down your operation.
Essential Insurance Coverage for Food Truck Businesses
General liability insurance protects against:
Customer bodily injury
Property damage
Legal defense costs
This coverage is often required for permits and event participation.
Because your food truck is also your business location, commercial auto insurance is critical. It covers:
Vehicle accidents
Property damage
Bodily injury liability
This coverage protects your business if a customer claims illness or injury from the food you serve. It is one of the most important coverages for food trucks.
If you have employees, workers’ compensation insurance is usually required by law. It covers:
Employee medical expenses
Lost wages
Work-related injury claims
Read More about workers’ compensation requirements at the
Protects kitchen equipment, appliances, and supplies from:
Fire
Theft
Vandalism
Accidental damage
How Much Does Food Truck Business Insurance Cost?
Food truck insurance costs depend on several factors, including:
Type of food served
Number of employees
Truck value and equipment cost
Claims history
Coverage limits
Many food truck owners can expect basic coverage to start at a few hundred dollars per year, with additional coverage added as the business grows.
How to Get Food Truck Business Insurance
Follow these steps to get insured quickly:
Gather business details (menu type, truck value, revenue)
Identify required coverage for your city or state
Choose coverage limits based on risk exposure
Work with an insurance agency experienced with food trucks
Why Choose Wexford Insurance for Food Truck Coverage?
Wexford Insurance specializes in small business and mobile vendor insurance, helping food truck companies get the right coverage without delays.
Benefits of working with Wexford Insurance include:
Expertise in food truck and mobile food vendor insurance
Access to multiple top-rated insurance carriers
Customized coverage based on your menu and operations
Fast, no-obligation insurance quotes
Conclusion
Running a food truck without insurance puts your business, employees, and customers at risk. From auto accidents and food liability claims to equipment damage and injuries, the right food truck business insurance protects your operation and keeps you compliant with local regulations.
Partnering with Wexford Insurance gives food truck owners expert guidance, tailored coverage, and fast quotes—so you can focus on serving great food and growing your business.
