Food Truck
Insurance
🍽️ Beyond the truck window

Catering Insurance for Food Trucks

Booked for a wedding or corporate event in addition to your regular route? Off-site catering is a different exposure — let's get it priced correctly.

Plenty of food trucks pick up catering work — a wedding reception, a corporate lunch, a private party — where food is cooked off-site and delivered or served at the event. That's a meaningfully different exposure than serving walk-up customers from your truck window, and it's something insurance underwriters ask about directly.

What changes when you cater

  • Off-premises exposure: you're operating in someone else's venue, not your usual spot.
  • Additional insured requirements: venues frequently require a certificate of insurance naming them as additional insured.
  • Revenue mix: underwriters want to know your estimated gross receipts from catering specifically, separate from truck sales.
  • Transport and setup: moving prepared food and equipment to and from a site adds handling risk.

What we ask on the quote form

If you tell us your truck also provides catering services — meaning food is cooked off-site and delivered to an event — we'll follow up asking for your estimated gross receipts from catering so the quote reflects your actual mix of business, not just your truck-window sales.

Frequently asked questions

My truck mostly does walk-up service, but I cater a few events a year. Do I still need to mention it?

Yes. Any off-site catering — food cooked off-site and delivered to an event such as a wedding — is a different exposure than truck-window service, so our quote form asks about it and your estimated catering receipts.

Does the venue require its own certificate of insurance?

Often, yes. Wedding venues, corporate offices, and event spaces frequently require a certificate of insurance naming them as an additional insured before they'll allow a food truck or caterer on-site.

Is catering covered under my regular food truck general liability policy?

It depends on how the policy is written and how much of your revenue comes from catering versus walk-up service. That's why we ask about off-site catering activity specifically on the quote form.

General information only. This page is for educational purposes and is not insurance, legal, or financial advice. Coverage, terms, and availability vary by carrier, state, and individual risk. See our full disclaimer.

Get your free catering quote

Takes about 3 minutes. No obligation.

Your contact information
About your food truck business
Which best describes the operation? * (check all that apply)
Business address
A few numbers
$
Staffing
Any employees? *
Any 1099 subcontractors used? *
About your truck, cart, or trailer
Is a trailer towed along with the truck (separate from the truck itself)? *
Is food cooked in the truck and then served from the truck? *
Do you sell more than 25% raw or uncooked food? *Example: sushi
Do you currently have active commercial auto insurance with $1,000,000 in bodily injury liability or greater? *

A quote may be available for this coverage too.

Do you provide catering services in addition to regular food truck service? *Meaning food is cooked off-site and delivered to an event such as a wedding.
What coverage are you interested in? *
Claims & contract requirements
Any prior claims in the last 5 years? *
Specific contract requirements to meet? *e.g. a venue or commissary COI requirement
10 questions still need an answer before you can submit.

🔒 Your information is secure and never sold to third parties. Submitting a request does not bind, guarantee, or confirm coverage.