Food Truck

Save up to 30% on your business insurance

food truck insurance

Roll with the punches with food truck insurance!

Food truck owners understand that their business and mobile kitchen are their livelihood. Coverage Cowboy can provide you with the right insurance coverage to protect your food truck business from potential risks.
With a customized food truck policy, you’ll be sure that if something goes awry, you’ll be covered with the right protection. Plus, you’ll have the peace of mind knowing you can keep serving up the deliciousness your customers crave.
  • General Liability
  • Workers' Compensation
  • Commercial Auto

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Food Truck businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance for food trucks provides protection against bodily injury, property damage, and other liabilities arising from accidents. This includes protection against claims of negligence, false advertising, and product liability. It also covers legal fees and settlements, should an incident occur.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is a must for food trucks, as it provides protection for vehicles used for business purposes. It covers expenses related to accidents, theft, vandalism, and other damages, as well as liability for injuries and property damage caused by an accident. It also covers medical payments for passengers and drivers, and uninsured motorist coverage for when an accident is caused by a driver without insurance.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is an important form of protection for food truck business owners. It provides coverage for medical expenses and lost wages to employees injured on the job, as well as legal protection in the event of a lawsuit. With this coverage, food truck owners can feel secure knowing their employees are taken care of in the event of an accident.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is an important tool for food truck owners to protect their business assets. It covers damage to the truck, equipment, furniture, and inventory due to fire, theft, vandalism, and other disasters. Additionally, it can also provide coverage for lost income if the food truck has to close due to a covered event. This type of insurance is especially important for food truck owners who own their truck, as it can help cover the cost of repairs or replacing the truck.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Food Truck business insurance

How does business insurance protect me?
Business insurance can protect food trucks from a variety of potential risks, such as property damage, liability claims, and business interruption. Here are a few examples of how different types of business insurance can provide protection for a food truck:
Liability insurance: This type of insurance can protect a food truck from lawsuits stemming from injuries or accidents that occur on the property. For example, if a customer slips and falls while getting food from the truck and sustains injuries, the food truck could be held liable for the damages. Liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the injured party.
Property insurance: This type of insurance can protect a food truck from damage to its vehicle, equipment, and inventory. For example, if the truck is involved in an accident and sustains damage, property insurance can help cover the cost of repairs or replacement. Similarly, if the truck’s inventory of food is spoiled due to a power outage, the policy may cover the cost of replacing it.
Business interruption insurance: This type of insurance can provide coverage if the food truck is forced to close temporarily due to a covered loss. For example, if the truck is involved in an accident and is closed for repairs, business interruption insurance can help cover lost income and expenses, such as payroll, during the closure period.
Workers Compensation: This type of insurance provides protection and medical coverage for employees that get injured or falls ill in connection to the work they are performing.
What do I need to get an insurance quote?
Getting a quote from Coverage Cowboy is a breeze! All you need to do is gather a bit of information about yourself and your insurance needs, and we’ll take care of the rest.

Here’s what you’ll need to provide to get a quote:
  • The type of services or products you offer
  • The location of your office or place of operations
  • The size of your workforce and their pay
  • The number and types of vehicles used for business purposes

These questions will help us tailor a quote that fits your specific business needs and ensure that you have the appropriate coverage in place to protect your company. With this information, our experts will be able to provide you with a quote that fits your business perfectly, providing you with the peace of mind you need to focus on what’s important – your business.
Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.