Food trucks & mobile kitchens
Food truck insurance that keeps you rolling.
Your truck is your kitchen, your storefront, and your ride to the next festival. We put coverage around all three — and explain every piece before you sign anything.
Independent agency. Licensed in all 50 states. No obligation, no insurance-speak.
What food truck owners actually need covered
Every truck is set up differently. We start with the four pieces almost every mobile food business needs, then adjust.
General liability
The coverage most events, commissaries, and property managers ask you to carry — for a customer slip, a burn, or a claim tied to the food you served.
Equipment & contents
Fryers, griddles, refrigeration, generators, POS tablets, and prep gear. If a breakdown or theft shuts you down, this is what gets you cooking again.
Commercial auto
A personal auto policy doesn't cover a truck or trailer used for business. This covers driving to sites, hitched trailers, and damage to the vehicle itself.
Fire suppression & spoilage
Cooking on wheels means grease, propane, and open flame. We look at suppression requirements and what happens to inventory when power or refrigeration fails.
What drives your price
We won't put a fake number on this page. Food truck premiums swing widely, so here's what an underwriter actually looks at — and what we'll ask you about.
- Whether you own the truck, trailer, or cart, and what it's worth
- Your cooking methods — fryers and open flame carry more risk than a coffee or dessert setup
- How many people work the window, and whether they're employees
- Where you operate: streets, breweries, private events, festivals, or a fixed lot
- The liability limits your events, commissary, or city permit require
- Whether you serve alcohol at any of your stops
Certificates before the festival, not after
Most food truck headaches aren't claims — they're paperwork. An event wants proof of insurance with their name on it by Friday. A commissary needs specific limits. A city permit needs a certificate on file. Because we're independent, we shop multiple carriers for the coverage that fits your setup, and you get a real person who turns those requests around fast.
We work with local small-business associations and food-vendor communities, so we've seen the requirements your events hand out.
Ready to quote your food truck?
A few questions about your truck, your menu, and where you park is all we need to start shopping carriers.