About Food Truck Insurance

What Is Food Truck Insurance?

Food truck insurance, also commonly referred to as food truck business insurance, is a specially designed bundle of commercial coverages intended to protect your mobile business from liabilities, lawsuits, and financial loss.

As a food truck owner, your livelihood is susceptible to a variety of risks that include auto accidents, equipment damage, and bodily harm (for both employees and customers). With so much at stake, it’s crucial to take steps to mitigate these risks — including investing in a food truck insurance policy.

FoodTruck Insurance
Do I Need Food Truck Insurance?

In Massachusetts, all food trucks must carry commercial auto insurance. Additionally, workers’ compensation coverage is required if you hire employees. In addition to these minimum coverages, a comprehensive food truck insurance policy is highly recommended for all mobile food service businesses, including:

  • Catering services
  • Concessions vehicles
  • Ice cream trucks
  • Lunch trucks
  • Mobile food trucks
  • Vending trucks
Food Truck Insurance

Food Truck Insurance Coverages

The specific types of coverages that food truck insurance includes will differ from business to business. However, these are the most common:

  • Commercial auto: Covers your food truck and any other vehicles owned by your business. In Massachusetts, this is required coverage.
  • Commercial business interruption: Provides coverage for lost income during business downtime that occurs as a result of a covered event (e.g., natural disaster or fire, depending on your coverage).
  • Commercial property: Protects equipment and inventory being stored in your food truck in the event of a covered cause of loss (e.g., fire or theft, depending on your coverage).
  • Cyber liability: Covers data breaches or cyber attacks that result in compromised customer information. If you accept electronic payments, you may need this type of coverage.
  • Food spoilage: Helps cover the cost of spoiled or contaminated ingredients in the event of a power or equipment failure.
  • General liability: Protects against any claims of bodily injury, property damage, or reputational harm from third parties.
  • Liquor liability: Protects against claims related to alcohol-related incidents. You may need this type of coverage if your food truck serves alcoholic beverages.
  • Product liability: Helps cover legal expenses and settlements tied to lawsuits brought by customers who become ill or experience food poisoning after consuming food from your truck.
  • Workers’ compensation: Requires all employees to be protected should they suffer an injury at work or a job-related illness.

What Does Food Truck Insurance Cost?

Because each food truck’s needs are unique, pricing for food truck insurance isn’t one-size-fits-all. What you’ll pay for your policy varies depending on several different factors and may be more or less than similar businesses.

Variables that help determine your premium include:

  • Claim history
  • Deductibles and policy limits
  • Location of your business
  • Number of trucks your business owns
  • Risk profile
  • Types of insurance coverage selected
Why Choose C&S for Food Truck Insurance?
  • We get you the most competitive rates. With access to all the top carriers for business insurance, we can give you more options than other agencies. More options mean more competitive pricing and, quite often, better terms.
  • We maintain a dedicated Claims Department, so there’s always someone on hand to support you when something goes wrong. A dedicated claims department also means your claims get closed out faster, which is key to maintaining a healthy loss history.
  • We know commercial insurance. Our commercial insurance industry experts have years of experience helping tradespeople just like you, so we know what matters most for your business.

Frequently Asked Questions
What does food truck insurance in Massachusetts cover?

What your policy covers will depend on the types of coverages you select.

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Is food truck business insurance required in Massachusetts?

At minimum, your food truck business must carry commercial auto and workers’ compensation insurance, as these are requirements in Massachusetts.

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How much does Massachusetts food truck insurance cost?

When it comes to determining policy premiums, there’s no one-size-fits-all approach, and what you pay will depend on several factors that are unique to your food truck business.

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Is food truck insurance worth it?


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Protect Your Food Truck Business Today

Your livelihood is too important to be left vulnerable to the risks that come with food truck operations. Discuss a food truck insurance policy with a C&S Insurance agent today — a small investment now could protect your hard work in the future.