Food Truck Insurance

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

Choose your primary coverage to get started:

Business Owner’s Policy

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Workers’ Compensation

General Liability

Commercial Property

Other Coverages

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Customized insurance for your food truck

Commercial food truck business insurance can protect your business from accidents, injuries, property damage and legal fees. Our insurance packages cover food trucks, trailers, carts, and mobile food vans. Our tailored coverage typically includes:

General liability
Workers’ compensation

Get insurance tailored to your business

Our food truck insurance covers a range of small businesses so that you can focus on what you do best:

Food van	Concession trailer	Food trailer van	Catering van
Burger van	Coffee van	Mobile food trailer

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

Protection for the injuries, accidents and damage you cause

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

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

What customers say about us

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.

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

How much is insurance for a food truck?

Commercial 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 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.

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, carts, trailers, and stands. 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 can 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 could 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 could 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 can 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?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

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

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

* 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.