Food Truck Insurance
Food trucks blend a restaurant and a vehicle: you need general liability, commercial auto for the truck, property/equipment coverage, and workers' comp — with extra attention to propane/cooking equipment and your commissary.
Key exposures
- Commercial auto (the truck/trailer itself)
- Propane, generators, and open-flame cooking
- Commissary / storage location
- Events and crowded venues
- Products and foodborne-illness risk
Coverages you typically need
General liability with products, commercial auto, property/equipment coverage, and workers' comp. Vehicle ownership, propane, and where you commissary the unit drive the program.
Run a food truck? Let's cover the kitchen and the vehicle.
FAQ
Does food truck insurance include the vehicle?
It should. A food truck needs commercial auto for the vehicle plus general liability and property/equipment coverage for the kitchen side.
Does propane affect my coverage?
Yes. Onboard propane, generators, and open-flame cooking are underwriting factors; disclose them so the policy is written correctly.
General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; terms vary by carrier and state. Related: restaurant & bar insurance · liquor liability · glossary · quick quote.