Next Insurance

Food Truck Insurance

You can save up to 25% in discounts on business insurance.

Business Insurance for +1300 businesses
Customized insurance for your food truck

Customized insurance for your food truck

Food truck business insurance can protect your business from accidents, injuries, property damage and legal fees. Insurance packages typically include:

  • General liability
  • Workers’ compensation

You can save up to 25% in discounts on food truck insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
PRO
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
We’ll help you get the food truck insurance you need
It’s all about managing your risk. Save up to 10% when you bundle different types of coverage.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of food truck accidents and basic risks. You’ll have financial protection if a customer gets hurt or you are held responsible for damaging property that doesn’t belong to you. It might be required for your food truck permit.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Workers’ Compensation

Workers’ Compensation

Coverage for workplace injuries
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
How much is insurance for a food truck?

How much is insurance for a food truck?

Food truck insurance costs vary based on the risks that your business faces, such as:

  • The type of truck you own or operate
  • Where you operate your truck
  • The equipment you use to cook
  • If you have any employees

Learn more about food truck insurance costs and coverage.

Food truck insurance requirements

Food truck insurance requirements

Food trucks are almost always required to have insurance due to the risk of injury and damage to other vehicles. You might need insurance to:

  • Start selling food from your truck. Property owners and local governments might ask you to have active insurance — usually general liability.
  • Hire employees. Most states require workers’ compensation.
  • Drive your food truck. Commercial auto insurance is usually required when driving is a core part of your business.
  • Repair or replace property. Protect everything in your food truck including your ingredients and equipment.
Tips for food truck owners

Resources for food truck owners

We know there are hundreds of things to keep track of when you run a food service business, so we’ve curated these helpful checklists and tips for food truck owners to protect and grow your business.

Frequently asked questions about food truck business insurance

Here are some of the most common questions we get about business insurance for food trucks. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect food trucks?

Our affordable food truck insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

While moving your food truck, you miscalculated the height of an awning and ripped it down. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

Your truck’s wheel goes over a customer’s foot and fractures a toe. Your food truck liability insurance coverage would help to pay for medical costs and legal fees.

Workplace injuries

Your employee severely burns a hand on your food truck’s stove. Workers’ compensation insurance can help cover their medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Vehicle accidents

Your food truck rolls into a parked car and dents the rear bumper. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles

Damage to your own property

A refrigerator breaks and causes all of the ingredients in your truck to spoil. Commercial property insurance can help cover the cost of new food inventory.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.
Certificate of Insurance

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More professions that are covered by NEXT

Food Truck, Personal Chef, Meat Shop, Grocery Store, Coffee Shop, Catering, Restaurant, Bakery, Food Cart, Farmers Market
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2022 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.