Insurance for Food Trucks

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Fast and secure online purchase

  • Instant coverage for your food truck

  • Plans starting as low as $39/month

  • Don't let unforeseen events put the brakes on your food truck business

Coverage Plans for All Your Needs

Remain a quality name even if mistakes in your food truck occur. We have insurance coverages for your truck, equipment, food, employees and services offered.


Essential coverage to meet client demands

General Liability

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


Required coverage to operate

General Liability + Product Liability

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All Basic plan benefits and:

  • Accidental Contamination
  • Accidental Product Defect
  • Flawed Marketing
  • Product Recall


Protect your essential business equipment

General Liability + Product Liability + Commercial Auto

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All Standard plan benefits and:

  • Coverage against claims from 3rd party bodily injury and property damage
  • Physical damage protection with comprehensive and collision coverage


When you have specific requirements

Including Workers Compensation, Property, Business Interruption etc.

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

For full liability coverage, food truck owners should purchase a variety of insurance products. It’s important for food truck owners to consider the similarities they share with a restaurant. This will help any owners skeptical of their liability to understand what risks are involved with food truck ownership.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

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Frequently Asked Questions

How much does it cost to insure a Food Truck?

General Liability is the first insurance policy to acquire for a food truck business and is often required by local laws to receive a permit to operate. It usually costs between $300 - $800 per year.

What is the difference between Food Truck property coverage and contents property coverage?

Food truck property covers the truck itself and all permanently attached equipment. Attached equipment is defined as something bolted to the truck or connected to a plumbing or gas line. Contents property coverage whereas covers all items which aren't attached to the truck. For example, a fridge bolted to the truck is property, but is content when it is only placed inside.

Why should I buy insurance for my Food Truck?

Insurance opens up a lot of possibilities for your food truck business. For instance, most events will require insurance before you can put your food truck in their events. It also protects the investment in your truck and pays for the legal expenses if a mishap occurs.

Do Food Trucks pay sales tax?

Yes, you have to pay taxes for all your sales resulting from your food truck business. You will not be paying taxes on the purchase of food, but the final product that leaves your service window.

Why do Food Trucks need insurance?

All food trucks need insurance because all food trucks exist in two separate areas: business vehicles and restaurants. All vehicles, no matter the type, need insurance coverage of some kind. Similarly, all restaurants carry a number of insurance products that help limit liability for several areas, including personal injury, bodily injury, food contamination, business interruption, fire damage and several other key areas. Questions any food truck owner should ask include:

  • What happens if someone gets sick after eating my food?
  • What laws and regulations exist if I decide to serve alcohol?
  • What is my liability concern if someone is injured by my truck in some way, even while it is stationary?
  • What fines might I face if I set up shop on a street corner, only to find out later that doing so was illegal?

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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Honest and Transparent

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Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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