Your Food Truck Insurance Experts
Food truck insurance typically combines commercial auto for the truck, general liability, commercial property for cooking equipment, product liability for foodborne illness claims, spoilage coverage, and workers’ compensation. A personal auto policy generally excludes business use, and in California workers’ compensation is required once you have any employees behind the window.
A food truck is a kitchen, a vehicle, and a storefront rolled into one, which means it carries the risks of all three. We help California food truck owners build a program that covers the truck, the kitchen, and everything you serve out the window.
Restaurant Insurance as Part of a Food Truck Insurance Package
Restaurant-style coverage for a mobile business: California food trucks operate within a local permit environment that varies by city and county, so your operating footprint and where you park can shape your exposures. General liability generally excludes claims tied to the product itself, which is where product liability comes in for foodborne illness claims.
Commercial Auto Insurance That Protects Your Food Truck
Commercial auto insurance for your truck: the truck itself needs commercial auto coverage, since a personal auto policy typically excludes business use. Beyond the drive, cooking equipment brings a real fire risk from grease, open flame, and hot surfaces, and generators and propane add their own hazards. Coverage can include:
- Commercial auto for the truck itself.
- General liability for third-party bodily injury and property damage.
- Commercial property and equipment coverage for cooking gear.
- Product liability for foodborne illness claims.
- Workers’ compensation for employees.
- Spoilage coverage for food lost to equipment failure or power loss.
