💵 What drives the price

Food Truck Insurance Cost

There's no single number that fits every truck. Here's what actually moves the price — and how to get a figure specific to your operation.

Food truck insurance is individually underwritten — carriers price each policy based on the specifics of your operation, not a flat rate by industry. That means the most reliable way to know what you'll pay is a real quote, but these are the factors that consistently move the number.

What affects your premium

Estimated gross receipts

Higher sales volume generally means more customer interactions and more product sold — both factor into general liability and product liability pricing.

Truck, cart, or trailer type

Self-propelled trucks, pushcarts, and towed trailers carry different exposures, especially for auto and equipment coverage.

Cooking method

Whether food is cooked in the truck and served from the truck changes the fire, burn, and equipment risk profile compared to reheating or plating pre-cooked food.

Raw or uncooked food percentage

Operations selling more than 25% raw or uncooked food (like sushi) are underwritten differently due to elevated foodborne-illness exposure.

Existing commercial auto coverage

If you already carry $1,000,000+ in bodily injury liability on a commercial auto policy, that history and limit level affects pricing on new or additional coverage.

Off-site catering activity

Trucks that also cater events off-site — with separate estimated gross receipts from that activity — are priced for that additional exposure.

Staffing

Adding W2 employees brings workers' compensation into the picture, priced on headcount and total payroll.

Claims history

Prior claims in the last five years can affect eligibility and pricing with certain carriers.

Coverage selection changes the total

General liability alone costs less than a bundle of GL, commercial auto, and workers' comp. Most operators start with general liability, then add commercial auto for the vehicle and workers' comp once they hire staff.

The fastest way to a real number

Because pricing depends on so many specifics — truck type, cooking method, raw food percentage, existing auto coverage, catering activity, and more — the fastest way to get an accurate figure is to request a quote below. It takes about three minutes and there's no obligation.

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 food truck insurance 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.

By checking this box, I agree to receive a text message (SMS) and other communications regarding this quote or any other insurance quotes I request — including from Food Truck Insurance and its insurance partners, by automated calls, prerecorded messages, and text messages, at the phone number provided. Consent is not required to purchase. Msg & data rates may apply; reply STOP to opt out. I agree to the Privacy Policy and Terms of Service.

Send me the Founder Ignite newsletter — practical tips and resources for small-business owners. (Optional)

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