Coverage Guide
Food Truck Insurance Coverage Guide
Mobile food vendor coverage essentials
Deep Fryers Increase Rates
Food trucks with deep fryers pay 10-20% higher premiums due to fire risk. Some insurers require fire suppression systems. Consider your menu options when planning your business.
Coverage Types
Commercial Auto
Truck/vehicle coverage
$3,500
Base Annual
General Liability
Customer injury, food illness
$2,500
Base Annual
Business Property
Equipment, inventory
$1,200
Base Annual
Food Spoilage
Refrigeration breakdown
$400
Base Annual
Food Truck Type Rates
| Type | Description | Rate Factor |
|---|---|---|
| Standard Food Truck | Full kitchen on wheels | ×1 |
| Food Trailer | Towed unit | ×0.85 |
| Food Cart/Stand | Mobile cart | ×0.65 |
| Gourmet/High-End | Premium food service | ×1.2 |
| Catering Truck | Events and private parties | ×1.15 |
| Ice Cream Truck | Frozen treats | ×0.9 |
*Food carts have lowest rates, gourmet trucks and catering trucks pay more