2026 Calculator
Food Truck Insurance Calculator
Estimate your mobile food vendor insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does food truck insurance cost in 2026?
Food truck insurance typically costs $3,000-$7,000 per year for full coverage including commercial auto, GL, and property. Commercial auto alone costs $2,000-$5,000 annually. Costs depend on truck value, revenue, menu (deep frying increases rates), and locations served.
What insurance does a food truck need?
Food trucks need: Commercial Auto (required - covers the vehicle), General Liability (customer injuries, food illness claims), Business Property (cooking equipment, inventory), and often Food Spoilage coverage. Many events and cities require proof of insurance.
Does food truck insurance cover food poisoning claims?
Yes. General liability covers foodborne illness claims from customers. Product liability within your GL policy covers food you serve. If someone gets sick from your food, insurance covers their medical costs, legal defense, and any settlement.
Do I need commercial auto insurance for a food truck?
Yes, absolutely. Personal auto insurance does NOT cover commercial vehicles or food service activities. Your truck is both a vehicle and a business, requiring commercial auto coverage. This is typically the most expensive part of food truck insurance.
Does deep frying affect food truck insurance rates?
Yes. Food trucks with deep fryers pay higher premiums due to increased fire risk. Some insurers may require fire suppression systems. Open flame cooking also increases rates. Trucks serving only cold items or pre-packaged food get lower rates.