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
Trailer Coverage
If your catering rig is a trailer, no worries! We provide coverage for your food catering trailer.
Free and Unlimited Additional Insureds
Extend your concession truck insurance policy to any place you serve food for no extra cost.
Affordable Coverage
We keep the prices low with agents who don’t make commission and policies that can be purchased 100% online.
What Is Food Truck Insurance?
Food truck insurance is a series of liability coverages designed to protect your business from the most common types of claims food trucks face. This includes things like third-party bodily injury or property damage and claims that someone became ill or had an allergic reaction after eating your food.
Running a food truck allows you to take your business to a wide variety of locations and avoid paying to rent or own a brick-and-mortar restaurant. Keep your finances protected from unexpected accidents with food truck insurance today.
What Does Food Truck Business Insurance Cover?
Food truck liability insurance can cover a variety of common claims, including:
- Third-party slip-and-fall incidents
- A customer getting injured or sick from something you served them (food poisoning, allergic reactions, etc.)
- Damage you accidentally caused to a rented space (farmers market booth, festival venue, etc.)
- Getting sued by someone for false advertising, slander, or libel
These claims are all covered under our base policy. However, every business is unique, so you may need additional coverages to make sure your business isn’t vulnerable to other claims.
FLIP offers several options for extra coverage, including:
- Tools and Equipment (aka Business Personal Property, or Inland Marine)
- Trailer Endorsement
- Liquor Liability
- Cyber Liability
- And more
How Much Does Food Truck Insurance Cost?
A basic food truck insurance policy from FLIP starts at $25.92 monthly or $299 annually, and includes the following coverages:
- General Liability
- Personal and Advertising Injury
- Product Liability
- Damage to Premises Rented
There are a few factors that affect the cost of food truck insurance. The first is annual gross sales. If your mobile food truck business sales are less than $50,000 per year, your insurance can cost $299 per year. If, however, your annual gross sales are between $50,001–$100,000, then your policy may 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 costs an additional $179 per year.
Lastly, adding optional coverages to your policy such as tools and equipment or a trailer endorsement will increase your premium. While this means you’ll pay more for insurance, it will also protect you from paying entirely out of pocket if you’re hit with a claim that isn’t covered in our base policy.
Does Food Truck Insurance Cover My Food Trailer?
No—food truck insurance doesn’t cover your food trailer, but a food trailer endorsement can!
This endorsement extends your general liability coverage to include incidents that occur in, on, or around your food trailer when it is unhooked from your towing vehicle and parked on a rented premises (food festival, farmers market, etc.).
Most general liability policies exclude coverage for trailers and may leave your business exposed to these types of claims. That’s why FLIP created the food trailer endorsement—to give you comprehensive coverage that meets the needs of your business.
For just $12.50 per month, you can shield your business from food trailer-related incidents by adding the food trailer endorsement to your policy during checkout or at any time afterward via the online user portal.
Please note that the food trailer endorsement is not commercial auto insurance. FLIP does not offer commercial auto at this time.
What Type of Insurance Does a Food Truck Need?
In order to properly cover your food trailer against liability claims, you need the following insurance coverages:
Let's Talk About Numbers for Food Truck Liability Insurance
Coverage Details:
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 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
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.
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.
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.
Workers’ Compensation
Policy Limit: $1,000,000
If your food truck business has employees, you need workers’ compensation insurance to protect you from claims stemming from employee injuries or death on the job. If an employee slips and falls while working in your food truck, a workers’ compensation policy could help pay for lost wages and medical bills. Additionally, most states require you to purchase workers’ compensation insurance.
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
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
Why Food Trucks Choose FLIP
Here's what other people have to say about their experience from over 312+ available reviews.
Learn More About Food Truck Insurance
FAQs About Insurance for Food Trucks
Do I Need Food Truck Insurance?
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.
What Insurance Is Needed for a Food Truck?
Food truck businesses need a series of coverages to properly protect them from common claims. This includes:
- General liability: Responds to third-party bodily injury and property damage claims.
- Product liability: Helps cover you in the event that a customer gets a foodborne illness or has an allergic reaction to something you served them.
- Damage to premises rented: If you accidentally damage a space that you’re renting (farmers market booth, food truck rally venue, etc.), this coverage can protect you.
- Tools and equipment: Protects you if your cooking equipment or inventory is stolen or damaged.
If you use technology to process transactions or store sensitive information like your customers’ card numbers or your business’ sales projections, you may also want to invest in cyber liability insurance. This coverage can help cover the cost of a data breach, such as replacing or restoring sensitive data.
Additionally, if you sell alcohol from your food truck, you will need liquor liability insurance. Alcohol-related incidents are not covered under general liability insurance, so to make sure you aren’t vulnerable to claims you’ll need this coverage.
What Are the Risks of Running a Food Truck?
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 offers coverage for claims like these, protecting your business and finances to give you the peace of mind that you need.
Does Food Truck Insurance From FLIP Include Commercial Auto Insurance?
No, it does not. FLIP does not provide food truck businesses with a commercial auto policy at this time.
