Food Trucks Insurance
Commercial Auto Insurance
for Food Trucks
Your food truck is both a commercial vehicle and your kitchen — requiring commercial auto coverage for when it's on the road and potentially additional coverage when it's parked and operating. Commercial auto covers the vehicle for liability and physical damage during transit.
Industry-Specific Insight
Why Food Trucks Businesses Need Commercial Auto Insurance
Your food truck is both a commercial vehicle and your kitchen — requiring commercial auto coverage for when it's on the road and potentially additional coverage when it's parked and operating. Commercial auto covers the vehicle for liability and physical damage during transit.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for food trucks operations.
FAQs
Common Questions from Food Trucks Businesses
Does commercial auto cover my food truck while it's parked and operating?
Commercial auto covers the vehicle while in transit. When the truck is stationary and operating as a restaurant, property and GL coverage applies. We help structure your program to ensure there are no gaps.
What if I have a second vehicle that tows my food trailer?
The tow vehicle needs commercial auto coverage, and the trailer needs to be specifically listed. Both should be included in your coverage program.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Food Trucks Businesses Commonly Need
A complete protection plan for food trucks operations typically includes several complementary coverages.
Food Trucks · Commercial Auto
Get Commercial Auto Coverage for Your Food Trucks Business
Our licensed agents specialize in food trucks insurance. We compare options from 96+ carriers to find the right commercial auto coverage at a competitive price.