Food Truck Insurance Cost
Food truck insurance typically costs $2,000-$5,000 per year and is required by most lenders and cities before you can operate.
$2K-$5KAnnual Cost
$1MLiability Min
RequiredVehicle Coverage
If employeesWorkers Comp
Types of Food Truck Insurance
General liability ($1M minimum, $500-$1,500/year), commercial auto ($800-$2,000/year), property/equipment coverage ($300-$800/year), workers compensation (if you have employees), and business interruption insurance.
What Affects Your Premiums
Location (urban costs more), driving record, equipment value, number of employees, cuisine type (deep fryer = higher risk), and claims history. Get quotes from 3+ insurers specializing in food trucks.
Insurance Requirements for Financing
Most equipment lenders require comprehensive vehicle insurance and general liability naming them as loss payee. Cities require proof of insurance for permit approval.