The usual package
- General liability including products and completed operations
- Commercial auto for the truck or the vehicle towing a trailer
- Inland marine or equipment coverage for kitchen gear
- Spoilage for refrigerated food
- Workers compensation for employees
- Liquor liability if you serve alcohol
Truck versus trailer versus cart
A self-driven truck needs commercial auto. A trailer is covered for liability through the towing vehicle's auto policy, while physical damage to the trailer and its kitchen may need separate coverage. Carts and kiosks often need only general liability and equipment coverage.
Coverage details
General and product liability
Customer injuries, property damage at events and foodborne illness claims.
Learn moreCommercial auto for food trucks
Covering the truck itself, and the tow vehicle for a trailer.
Learn moreEquipment and spoilage
Grills, fryers, refrigeration and the food inside them.
Learn moreTruck plus restaurant
Running a fixed restaurant and a truck: how to keep coverage coordinated.
Learn moreFrequently asked questions
Is there one policy for everything?
Some insurers offer packages for food trucks, but auto coverage is still usually a separate policy.