6 Best Food Truck Insurance Companies

After answering only five questions, we received a quote for $888 annually. The quote included a general liability policy with limits of $1 million per occurrence and $2 million aggregate, equipment coverage of $10,000, and a deductible of $250. Finally, we selected a liability endorsement for our trailer for a flat fee of $150.

FLIP’s liability policy is designed to offer broad coverage for food trucks. It includes personal and advertising injury, $300,000 for damage to rented premises, and $5,000 for medical expenses.

FLIP recently expanded its insurance offerings to include workers’ compensation. So, if your food truck business has any employees, you can get workers’ comp through FLIP, too—and the process is just as simple and quick.

FLIP does not have a 24/7 dedicated call center. However, you do have 24/7 online access to your policy documents, including filing a claim, through the account dashboard. The online dashboard allows you to add additional insureds at no extra cost, and you can get an instant COI if a specific venue needs it for your truck.

Coverage is available in 49 states. You can get a quote and purchase a policy online in minutes. Licensed, no-commission agents are also available if you have questions or prefer to speak with someone.

If you experience a loss, you can file the claim through your account dashboard. An insurance adjuster will contact you within three days.

Typically, Simply Business will provide multiple quotes for coverage. For this article, we only received one quote from Accredited America for general liability insurance with a standard limit of $1 million per occurrence and $2 million aggregate. If you selected the monthly option, $209 was due the day of the purchase, followed by ten monthly payments of $62.70.

You could change the limits, and thus the price, to fit your business needs. The limits could be dropped to as low as $100,000 per occurrence or $2 million per occurrence.

Simply Business can also quote cyber liability and workers’ compensation insurance for food trucks.

Beyond the quoting and purchasing option, Simply Business offers some other convenient tools. You can manage your account online and create a COI, although in some cases, if the COI requires a coverage change, its issuance may be delayed.

To file a claim, you’ll have to reach out directly to the carrier handling your policy. However, Simply Business states that if you cannot find them or are having trouble reaching a carrier, you can contact the broker to assist you.

Overall, Simply Business continues to be an option for small business insurance that provides a pleasing experience for its customers. For example, on the review site Trustpilot,^[1] there are over 1,200 reviews with an average rating of 4.6 out of 5 stars.

Regarding cost, the average general liability premium is affordable and in line with what FLIP offers. According to its data, 72% of Next Insurance customers pay between $23 and $28 a month for general liability for a food truck, and 41% spend an average of less than $30 monthly for workers’ compensation.

There are ways to save when you bundle policies with Next Insurance, although the amount saved isn’t clear. Confusingly, however, one of its pages’ sections states that you can save 25% when you bundle, but a different section indicates savings of 10%. Either way, savings are possible, so it is worth checking out.

Next Insurance offers a bundle of general liability and workers’ compensation for food trucks. For food businesses, its general liability includes liquor liability if your truck serves alcohol.

Next Insurance is available nationwide, and while it isn’t open 24/7, its app functions like a call center. Through the app, you can make changes to your policy, file a claim, track the claim, and even upload any necessary documents for the claim. As previously discussed, you can create and share a COI as often as you need at no extra cost.

According to the National Association of Insurance Commissioners (NAIC), complaints filed against Next Insurance are lower than the national average year over year, so its customers appear to be happy with their experience.

We received a quote for a BOP that costs $515 a month. The majority of that cost was for general liability, at $340.17. The policy also covered business equipment and business personal property (BPP). The insurance was available for same-day coverage.

Thimble’s BOP isn’t the only option for food truck businesses. The provider also has workers’ compensation insurance.

During the quote process, Thimble offers flexibility in determining coverage limits. It also offers several endorsements, making its offerings more customizable and specific to your business needs.

While Thimble states its business hours are Monday through Friday from 9:00 a.m. to 6:00 p.m. ET, I’ve never been able to reach anyone when calling its customer service number. However, through its app, you can manage your policy, including adding and removing coverage. You can get a quote and purchase insurance through the app without speaking with anyone.

Like Next Insurance, Thimble offers a COI tool that lets you instantly create and share a COI. So, this is another good option for food trucks looking to work special events. Its short-term liability coverage is a convenient option for someone with a full-time job and who occasionally works fairs or festivals with a food truck.

A general liability policy with a $2 million aggregate limit costs $77.10 monthly after a down payment of $257. For an additional $250, you can add cybersecurity to this policy.

Hiscox sells general liability, commercial property, inland marine, and cybersecurity insurance for food trucks. These options can be quoted and purchased online, often for same-day coverage.

Recently, Hiscox rolled out workers’ compensation insurance.

As one of the leading small business insurers, Hiscox has many convenient options to manage your policy: call, go online, or contact your agent. Online, you can file a claim and request a COI.

Complaint trends clearly show that Hiscox has significantly improved its customer service over the past few years. However, the recently published 2023 data shows some backward movement, with an increase in complaints.

On its website,^[2] there are over 1,200 customer reviews with an average rating of 4.8 out of 5.

We received a commercial auto policy for a food truck with $25,000 extra coverage for permanently installed equipment. It costs $270.66 monthly or $2,902 if you pay in full. While this quote did not include a general liability policy (CGL) for the business, Progressive does sell CGL.

It is the only carrier reviewed that asked about permanently installed kitchen equipment in the food truck when determining the cost.

Whether you need to file a claim or manage your policy, Progressive is available 24/7.

Progressive Business Advantage^® is a great way to bundle auto coverage with a general liability policy. This is the platform where Progressive functions like a broker, helping you find coverage with other carriers. A nice bonus of this program is that it offers discounts, even if you don’t have all of the policies through Progressive.

Unfortunately, over the last couple of years, there has been a rise in complaints filed with state-level Departments of Insurance against Progressive, specifically regarding its commercial auto insurance. The NAIC tracks these complaints, and currently, Progressive’s complaints are much higher than the national average.

Of course, Progressive is also the largest insurer for commercial auto, so it has a more extensive customer base than other companies on this list. However, it is still troubling to see complaints continue to rise. We also found minimal information on the online account management features available once you have a policy.

Food truck insurance is a combination of policies that protect your business and its equipment and help any customers your operations may negatively impact. The core policies for a food truck are general liability, commercial property, and commercial auto insurance.

General liability for a food truck can range from as little as $380 to nearly $2,000 annually. Commercial auto costs more and usually start at around $2,500 annually.

If you’re considering starting a food truck business, the first step is to research local laws to determine what is and is not permissible and what licenses you may need to apply for. Next, you’ll want to start thinking about your company name, logo, and menu—and there’s plenty more to do from there.