Commercial Food Truck Insurance

Q: What do I need to get an insurance quote online?

Tell us about your business. Share what you do, where you’re located, how many people you employ, and any vehicles you use for work. Review your options. Compare recommended coverages and see prices tailored to your business. Buy online & get proof instantly. Complete checkout and download your certificate of insurance (COI) on the spot. Time required: About 10 minutes.

You can save up to 25% in discounts on food trailer insurance.*

Choose your primary coverage to get started:

Featured On

Rated 4.7/5

(5056 reviews)

Insurance for food trucks can help protect you from:

The costs of accidents and injuries

If a customer claims your food made them sick, or your employee has an accident at an event.**

Property damage or theft

Your truck and important work equipment get stolen or damaged by vandalism.

Fires or other risk incidents

A cooking fire or electrical issue damages your food truck and inventory and needs replacing right away.

Get food truck insurance that’s fast, easy and affordable

NEXT specializes in small business insurance. The best insurance on a food truck can help protect you, your food business and your employees.from the cost of unexpected events.

NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

NEXT specializes in commercial food truck insurance

Food trailer insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for food trucks

Protection for injuries, accidents and damage you cause

Food truck liability insurance is common, and proof of insurance is often required by event organizers and venues. Whether you’re a small business owner slinging tacos at a street fair or scooping ice cream from a truck at the park, food truck general liability insurance can help cover medical costs if a customer gets hurt, or help pay for repairs if you accidentally damage someone’s property.

general liability can help you pay for:

Medical payments for non-employees who suffer work injuries

Accidental property damage you cause to someone else’s property

Some legal fees and judgments

Commercial Auto insurance for mobile food trucks and trailers

Protection for your mobile food business

Commercial auto insurance for food trucks can help protect your business vehicle while you or an employee are on your way to work. If you drive a food truck for business, personal auto insurance policies typically don’t apply.

commercial auto can help you pay for:

Medical bills or legal costs if you’re at fault in an accident

Property damage caused by your work vehicle

Rental vehicle reimbursement

Workers’ Compensation insurance

For food truck owners who hire employees

Workers’ comp insurance for food trucks is required in most states if you have employees, and it’s optional coverage for your own protection. This type of policy can help pay medical bills and lost wages if your employees, like a cook, prep worker or server, get hurt on the job.

workers compensation can help you pay for:

Medical expenses for employees who suffer work-related injuries and illness

Lost wages for hurt employees in recovery

Employer liability coverage to help protect your business if an employee files a lawsuit

Commercial Property insurance for food trailers

Protection for equipment, inventory and your mobile kitchen

Insurance for food trucks can help cover some costs to repair or replace business property damaged by fire, theft or other covered events. It’s important if you rely on valuable cooking gear, generators and inventory to keep operations running.

commercial property can help you pay for:

Damaged or stolen cooking equipment and inventory at your business

Lost income after a covered loss

Extra expenses to keep your business running after a covered loss

NEXT Insurance reviews

CEO

I was able to save money and the young lady was very nice.

Derrick P.

Quick and easy

Javon B.

Great

Egeria T.

Fast service

Jesus S.

Easy Peasy

Love Next In’s. Website is easy & always a representative available if needed for questions.

Joseph H.

Great service. Fast answer. Good

Great service. Fast answer. Good prices

JAVIER S.

So easy and affordable!

Nick E.

Good sales person and a

Good sales person and a good customer service.

Jeannette I.

Service

The service is great and if I knew how easy to enroll.. I would have done this 2 years ago... Thank you so much

Rapheial T.

great

Daniel a.

Save up to 25% in discounts on insurance for food trucks

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Pro

How much does food truck insurance cost?

Premiums for food truck insurance are more affordable than you think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

Your type of business
Your business location
Number of employees
Your past claims history
Your revenue or business income
The insurance types, limits and deductibles you need

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can insurance for food trucks help your business?

You might need food truck insurance to help your business:

Handle accidents at events. Food truck general liability insurance could help if you damage venue property, if a festival attendee has a slip-and-fall injury near your trailer or if a customer claims you gave them food poisoning.
Recover from equipment breakdowns. Business insurance for food truck operators can help cover repairs or replacements if your generator or fryer goes out during service.
Replace stolen or damaged inventory. Commercial food truck insurance can help cover losses after vandalism or a vehicle break-in at your business location.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

Food truck insurance FAQ

If you don’t find answers here, our licensed, U.S.-based insurance advisors are standing by to help.

What type of insurance do I need for my food truck?

Many commercial food trailer business operators buy general liability insurance for damages or injuries caused to others, workers’ comp for injuries to employees, and commercial vehicle insurance to protect the truck or trailer. A business insurance package can provide financial protection for unexpected events and accidents, such as:

A grease spill causes a slip-and-fall accident that results in bodily injury.
A generator or propane malfunction damages your food truck equipment.
A worker suffers a cut or burn while prepping food.
Your food truck is damaged in a traffic accident on the way to an event.
Storm damage or fallen debris at your business location leaves your food trailer in need of repair.

NEXT makes it easy to check prices, get covered and buy 100% online in about 10 minutes.

Manage your policy 24/7 via web or mobile app, and get unlimited certificates of insurance (proof of insurance) at no extra cost.

What type of business could benefit most from food truck insurance?

Our food truck insurance can cover a range of mobile food and beverage businesses, including:

Food vans
Concession trailers
Food trailer vans
Catering vans
Burger vans
Coffee vans
Mobile food trailers

What do I need to get an insurance quote online?

Tell us about your business. Share what you do, where you’re located, how many people you employ, and any vehicles you use for work.
Review your options. Compare recommended coverages and see prices tailored to your business.
Buy online & get proof instantly. Complete checkout and download your certificate of insurance (COI) on the spot.

Time required: About 10 minutes.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

Next Insurance App available on the App Store

Get the Next Insurance App on Google Play

More professions that are covered by NEXT

Food Vendor, Bakery, Butcher Shop, Catering, Coffee Shop, Farmers Market, Food Cart, Food Truck, Grocery Store, Personal Chef, Restaurant