Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 21, 2026.
GENERAL LIABILITY
Food Trucks/Concessionaires $27/month for general liability
WHY IT MATTERS
Why Food Trucks/Concessionaires need business insurance
Food truck operations combine customer service, cooking, equipment and driving risks. Business insurance can help address covered claims arising from these different parts of the operation, subject to policy terms.
SCENARIO 1
A customer slips near the service window
General liability insurance may help with a covered bodily injury claim and related legal defense costs, subject to the policy.
SCENARIO 2
The food truck is involved in a collision
Commercial auto insurance may help address covered vehicle damage and liability arising from an accident during business use.
SCENARIO 3
An employee is burned while cooking
Workers' compensation insurance may help with a covered work-related injury, according to the policy and applicable requirements.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Cooking methods
Open flames, fryers and other heat-producing equipment may lead to a higher rate because they introduce additional fire and injury exposure.
Truck and equipment value
A more valuable vehicle, kitchen buildout or equipment inventory may increase the cost of property and commercial auto coverage.
Sales and customer activity
Higher sales and more customer interactions can increase liability exposure and may lead to a higher quote.
Driving patterns
More time on the road, longer routes and frequent event travel may increase the rate for commercial auto insurance.
Employees and payroll
Adding employees or increasing payroll can raise workers' compensation exposure and affect the quote.
Claims and coverage choices
Prior claims, selected limits, deductibles and included coverage lines can move the rate up or down.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national food truck operation, rates and requirements vary by state, operating territory and carrier.
State requirements
Insurance requirements can vary by state, so the coverage needed may change when the business operates across state lines.
Operating territory
Routes, event locations and the areas where the truck is stored or driven can affect how the operation is evaluated.
Carrier underwriting
Coverage availability and underwriting preferences can vary by carrier based on the operation being presented.
1,057
Quotes analyzed
51
States represented
5
Coverage lines
BEST RATE
How to get the best rate
Prepare accurate business details
Gather current information about sales, payroll, employees, vehicles, equipment and operating locations before requesting a quote.
Document safety practices
Describe driver screening, equipment maintenance, fire controls, food handling procedures and employee training used in the business.
Match coverage to actual operations
Explain where the truck travels, how it is stored, what it serves and whether it attends festivals, private events or regular vending sites.
Review limits and deductibles
Check customer and venue contracts, then choose limits and deductibles that fit those obligations and the business's risk tolerance.
FAQ
Common questions
What insurance should a food truck or concessionaire consider?
The right coverage depends on the operation. Options may include general liability insurance, commercial auto insurance, workers' compensation insurance, property coverage and a business owners policy, subject to eligibility and policy terms.
Does general liability insurance cover accidents involving the food truck?
General liability insurance generally is not intended to replace commercial auto insurance for vehicle accidents. The applicable coverage depends on how the truck was being used and the terms of each policy.
Can I rely on a personal auto policy for a food truck?
Do not assume a personal auto policy covers business use of a food truck. Review the vehicle's use and policy terms with a licensed insurance partner to determine what coverage may fit.
How much coverage does a food truck need?
There is no universal limit for every food truck. Appropriate limits depend on the operation, vehicle and equipment values, employee count, risk tolerance and any venue or customer contracts.
How can I get a business insurance quote for a food truck?
Start by providing details about the truck, menu, cooking equipment, drivers, employees, sales and operating territory. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.