A food truck is a restaurant on wheels, so it needs two kinds of insurance: commercial auto for driving between locations, and business coverage for serving food to the public. Event organizers and city permits almost always ask for a certificate showing both.
Coverage checklist
- Commercial auto (liability + physical damage on the truck, including built-in kitchen equipment where possible).
- General liability for customer injuries and foodborne illness claims.
- Equipment breakdown and spoilage coverage.
- Workers' comp if you have employees.
- Additional-insured endorsements for festivals and private events.
Food trailers
If you tow a concession trailer, the tow vehicle's auto policy covers liability while it's attached, but the trailer and its kitchen need to be scheduled for physical damage, and the trailer's business operations need general liability.
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Get quotesFrequently asked questions
Does a personal auto policy cover a food truck?
No. Vehicles modified and used for a business like food service need a commercial auto policy.
Related guides
Reviewed October 2026. General information only — not insurance or legal advice. Coverage terms vary by insurer and state.