- 7761 Ballantyne Commons Pkwy, Charlotte, NC 28277
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Protect your business from customer injuries, kitchen fires, and equipment breakdowns. Food truck insurance covers the unique risks of cooking and serving food from a mobile kitchen on wheels.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Food trucks face unique liability daily. One customer slip can trigger a lawsuit. One grease fire can destroy your truck. One equipment breakdown can shut you down for a week. Without proper coverage, a single incident can end your mobile food career.
A customer slips on spilled condiments near your service window and breaks their wrist. Food truck general liability insurance covers medical bills and legal defense.
A grease fire in your truck's fryer damages the cooking equipment and forces you to close for repairs. Commercial food truck insurance covers repairs and lost income.
Your truck's refrigerator fails overnight, ruining $2,000 worth of perishable food. Food truck insurance coverage pays for full replacement of spoiled inventory.
A customer claims your food gave them food poisoning and sues for medical costs. Food truck liability insurance covers the settlement and legal defense.
A complete food truck insurance policy program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed at a festival or on the street.
Whether you’re running a taco truck, a coffee cart, or a dessert trailer, we have a food truck insurance program designed for your specific operation because a BBQ food truck and an ice cream cart need completely different coverage.
Full-service mobile kitchen, cooking equipment, generator, service window, outdoor seating
Pulled by separate vehicle, larger kitchen space, commissary agreement, event setup
Mobile espresso setup, customer seating area, generator, commissary agreement
Frozen product storage, music and signage, residential routes, event vending
Tent or booth setup, no cooking equipment, prepackaged food, festival vending
Off-premise event cooking, buffet setup, transport coverage, equipment breakdown
Every state has different requirements for food truck licensing and insurance minimums. We help you stay compliant with state laws and help you win event contracts that require food truck insurance quote proof like certificates of insurance and additional insured endorsements.
Food truck insurance cost depends on your annual revenue, type of cuisine, cooking equipment, and claims history. Coffee carts cost less than full-service food trucks with fryers and grills.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard liability limit required by most event organizers
COI issuance — Certificate of Insurance when you need it
Carrier partners — we shop for the best rate for your trade
Food trucks insured across the Southeast region
Our streamlined process gets you covered fast so you never miss a festival deadline or fail a health department requirement.
Food truck type, annual revenue, cooking equipment, whether you have a commissary, and number of employees
We create a custom package across General Liability, Commercial Auto, Property, Spoilage, Business Interruption, and Workers' Comp
Receive clear quotes from multiple A-rated commercial food truck insurance carriers compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day ready for event organizers, health departments, and commissaries
Most private event organizers and property owners require proof of insurance. Additionally, a customer injury or food poisoning claim can happen at any event. Food truck insurance is essential even for private parties and corporate events.
Only if you have spoilage coverage. Standard property policies exclude mechanical breakdown and power loss. Food truck insurance coverage with a spoilage endorsement pays for ruined perishable inventory when your cooler or freezer fails.
General liability covers customer injuries and food claims at your service window. Commercial auto covers accidents while driving to events. Food truck general liability insurance covers the business; commercial auto covers the vehicle. You need both.
We offer food truck insurance quote online in under 10 minutes. Just tell us your cuisine type, annual revenue, cooking equipment, and driving radius. Same-day binding and instant COI available. A quick call often saves you money.
We issue same-day Certificates of Insurance often within an hour of binding your policy. Food festivals require COIs showing your food truck liability insurance limits before you can set up. We’ll send it directly to the event organizer if needed.
Specialized coverage for pulled trailers including hitch liability, larger kitchen equipment, and event setup
Targeted coverage for mobile espresso setup, generator breakdown, commissary agreement, and customer seating
Coverage for frozen product storage, residential routes, music and signage, and event vending liability
Specialized coverage for off-premise event cooking, buffet setup, transport coverage, and equipment breakdown
Coverage for temporary food booths, tent and table setup, prepackaged food, and event liability
Targeted coverage for custom-built cooking vehicles including fire suppression, generator, and commissary compliance
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
