Food Truck Auto Insurance: Rates & Requirements (2021)
If you are preparing to open a food truck you, need to purchase special food truck insurance. There are several types of insurance needed to operate a food truck, including commercial auto insurance, liability insurance, and property insurance. Due to the popularity of food trucks, some insurance companies have created specialized food truck policies to bundle these insurance types.
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UPDATED: Aug 5, 2021
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- Food trucks require several types of insurance to operate
- The best way to save on food truck auto insurance is to bundle insurance types
- Some insurance companies have created specialized food truck insurance policies
Food trucks have become a staple of food culture over the past decade, but before you can make your mark as the new must-try spot in town, you need to understand more about food truck auto insurance.
Owning and operating a successful food truck requires several insurance types, and there are major factors that will determine how much you pay for this insurance every month.
Keep reading to learn more about food truck insurance and how to find your business’s most affordable insurance.
Eager to start comparing food truck auto insurance quotes? Enter your ZIP code above, and we will help you jumpstart your search.
What kind of insurance do I need for my food truck?
Food trucks are not just trucks; they are also a business. That means they need more than just traditional commercial insurance to be fully covered. The most basic types of coverage you will need are:
- Commercial auto insurance
- Liability coverage for your business
- Commercial property insurance
- Workers compensation insurance
Commercial auto insurance specifically covers using your food truck for business purposes. This protection ensures that you will be covered if you get into an accident while moving your truck from place to place.
Liability coverage for your business is designed to protect you if someone is injured or becomes ill while visiting your food truck.
Foodborne illness is a major concern for any food vendor, and depending on the type of food you are serving, according to the CDC, the risks may increase your insurance costs.
Commercial property insurance protects the contents of your food truck, equipment, and food supplies. If your food truck has a separate storage trailer for food and equipment, this will also need to be insured.
Workers’ compensation is just what it sounds like. If you have any employees, this coverage helps you protect both them and yourself in the case of injuries on the job.
Another thing to consider is that different cities and municipalities will require different insurance. Some places may require more types of policy or higher coverage amounts when you are operating there.
Take the time to look up your local laws and ordinances before making any decisions about what insurance to purchase.
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How much does food truck insurance cost?
The short answer is that it depends.
Costs will vary depending on several factors, such as how large your business is, if you employ anyone, what kind of food you cook, what kind of equipment you use, and what kind of vehicles you use.
This is one of the reasons that it is so important to plan out your business before purchasing your truck.
Knowing what type of equipment you need, what food you will cook, etc., will make it easier for you to get accurate estimates when it’s finally time to go insurance shopping.
Tips for Finding Affordable Food Truck Business Insurance
Should you get in an accident while moving your truck, you’ll want to pay as little out of pocket as possible. Bundling insurance can be a lifesaver when it comes to minimizing your food truck insurance cost. The more policies you can purchase from the same provider, the more likely you are to keep your rates down.
Many big-name insurance companies such as Progressive and Geico will offer specialized policies that include many coverage types under one name. Check out a Progressive insurance review if you would like to learn more.
The other big tip is to comparison shop insurance. Get as many quotes as you can from as many providers as you can before making your final decision.
Each insurance company will have its own algorithm to decide rates, so it’s important that you check as many of them as possible to find the right provider for you.
If you are ready to buy food truck auto insurance, enter your ZIP code below. We will help you find local auto insurance providers so you can get the coverage you can afford.