Best Food Truck Insurance Companies

Best Food Truck Insurance Companies

Choosing right food truck insurance can protect your business from many risks including liability claims, property damage, and accidents. To help you find the right coverage, we’ve researched and listed our favorite insurance providers that specialize in food truck coverage.

Here are the best options for food truck insurance:

• Limited choices to add extra

The Hartford Insurance is an excellent option for food truck insurance due to its reputable history and expertise in small business insurance. They offer tailored policies like general liability, business owner’s policy (BOP), and commercial auto insurance. With an A+ rating from AM Best, we’re confident that you’ll find comprehensive Food Truck Insurance with The Hartford.

Cons:

• Limited choices to add extras

If you’re looking for an easy process online for comparing multiple Food Truck Insurance quotes, Farmer Brown is an excellent choice. With over 26 years of experience helping Food Truck owners, Farmer Brown offers a host of A+ insurance policies. They offer key protections like general liability, business owner’s policies (BOP), and commercial auto insurance. Their agents help secure competitive rates and provide same-day coverage in many cases.

Cons:

• Limited to basic coverage
• Lacks workers’ compensation or commercial auto insurance

Thimble offers affordable insurance plans for food truck owners. The company is known to provide coverage by the hour, day, or month. This lets you purchase insurance when you need it, which can help seasonal or part-time food truck operators cut costs. Overall, it’s a great option for truck owners that need a bit of flexibility with their insurance.

Cons:

• Limited local agent support
• Less room for customization than some competitors

Next Insurance is a great option for food truck owners, particularly for its excellent Business Owners Policy (BOP). The BOP combines essential protections like general liability and commercial property insurance, offering comprehensive coverage for your truck, equipment, and food supplies. Combining essential coverages usually results in a cost effective and simplified policy.

Cons:

• Not as comprehensive for larger food truck operations
• Limited customization options

FLIP (Food Liability Insurance Program) is an insurance company focused on food businesses, including food trucks. With policies starting at $299 annually, it covers essential areas like general liability, product liability, and optional liquor liability. FLIP’s simple online platform makes purchasing and managing insurance fast and easy, providing high coverage limits for common risks in the food industry. Backed by Great American Insurance Group’s A+ financial strength, it’s a reliable choice for small food businesses.

Who Needs Food Truck Insurance?

Any business that operates a mobile food service should consider food truck insurance to protect against potential risks. The following types of food truck businesses we typically insure:

• Taco Trucks

• Catering Trucks

Food Truck Insurance Costs

Owners of food trucks should plan to pay for multiple policies to cover various risks associated with their mobile business. Here are some average costs for food truck insurance:

Annual Costs

• Expect to pay around $1,500 to $3,600 per year for complete coverage.

The Verdict

Above we’ve listed our recommended list of Food Truck Insurance providers. This is based on our own research and experience working with these companies. Ultimately the right choice for you will depend on the policy that best fits your business needs and budget.

Get Food Truck Insurance Quotes

If you want to get an exact cost for Food Truck Insurance, we encourage you to get quotes now from our experienced agents.

Our experienced agents are well versed in working with food business owners. After understanding more about your business, our agents can usually reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive.

We provide the finest comprehensive plans for your business by providing:

• Knowledgeable, licensed insurance agents
• Same-day coverage in most instances
• Coverage from A-rated insurance companies
• Ability to offer policies nationwide
• The lowest price for the best Insurance coverage in the industry