🚚 On the road every day

Commercial Auto Insurance for Food Trucks

Your truck — and any trailer you tow — is a commercial vehicle on the road every service day. Get the coverage a personal auto policy leaves out.

Between the commissary, the lunch spot, and the weekend festival, a food truck logs real miles. Commercial auto insurance covers the truck itself — and the vehicle towing a food trailer — for the driving exposure a personal policy won't touch.

What commercial auto insurance typically covers

Liability: injuries or property damage you cause to others while driving.
Collision: damage to your own truck from an accident, regardless of fault.
Comprehensive: theft, vandalism, fire, and weather damage to the vehicle.
Towed trailers: coverage that can extend to a food trailer pulled behind a separate tow vehicle.

Already have commercial auto coverage?

If you currently carry active commercial auto insurance with $1,000,000 or more in bodily injury liability, that's valuable — and a quote may be available for this coverage too. Our quote form asks about your existing policy so pricing reflects your actual exposure, not a guess.

Truck, cart, or trailer — which applies to you?

A self-propelled food truck, a pushcart, and a towed food trailer are underwritten differently. If you operate a towed trailer, see our dedicated food trailer insurance guidefor what's different about that setup.

Frequently asked questions

Does my personal auto policy cover my food truck?

Usually not. Personal auto policies typically exclude vehicles used for business — including food trucks and the trucks used to tow food trailers. A commercial auto policy is built for vehicles that generate income.

What does commercial auto insurance cover for a food truck?

It generally covers liability for injuries or damage you cause while driving, plus physical damage to your own truck from collision, theft, vandalism, or weather — depending on the coverage you select.

I already have commercial auto coverage. Can I still get a quote?

Yes. If you currently carry $1,000,000 or more in bodily injury liability, a quote may still be available for this coverage — our form asks about your existing coverage so we can price it correctly.

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 commercial auto quote

Takes about 3 minutes. No obligation.

Your contact information

First Name *

Last Name *

Email *

Phone *

About your food truck business

Business Name / DBA *

Entity Type

Describe the business (cuisine, service area, events, etc.)

Which best describes the operation? * (check all that apply)

Business address

Street Address *

City *

State *

ZIP *

A few numbers

Estimated Gross Receipts (next 12 months) *

Number of Owners Active in the Business *

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? *

General Liability

The foundation — third-party bodily injury and property damage.

Commercial Auto

Covers the truck or vehicle used to operate and tow the business.

Workers' Compensation

If you have employees working on the truck or cart.

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.

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