Best Food Truck Insurance Companies of January 2023

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Food trucks are growing in popularity and can make great profits, but before you begin operating a mobile food truck or trailer, you’ll need the right insurance coverage. Most food truck owners need general liability insurance, including product liability to cover lawsuits from foodborne illnesses, along with commercial auto insurance if you drive your food truck on public roads. You may also need commercial property insurance and inland marine insurance to cover your portable equipment. Liquor liability insurance is essential for food trucks that serve alcohol, and depending on if you have employees and the law in your state, you may also need workers’ compensation coverage. 

Best Food Truck Insurance Companies of January 2023

Use an insurance marketplace like Tivly to get a free custom quote.

Best Food Truck Insurance Companies of January 2023
Best Food Truck Insurance Companies of January 2023

Best for Liability : Next Insurance

Investopedia's Rating
4.7

Next Insurance

Next Insurance

Why We Chose It

Next offers affordable same-day general liability coverage (that includes some product liability) and can be customized with commercial property, commercial auto, and liquor liability insurance, among others.

Pros & Cons
Pros
  • Most customers pay $24 to $28 for liability coverage

  • Offers a variety of coverages you can add, including commercial auto

  • Live certificate of insurance for easy sharing

Cons
  • Property insurance is not automatically included

Overview

Next offers affordable liability coverage—80% of customers pay between $24 and $28 per month, with no fee for paying monthly—and product liability is included when you purchase general liability coverage. You can add property coverage for your premises and your equipment as well as commercial auto and liquor liability insurance, if needed. All this makes Next a comprehensive solution for your food truck insurance needs. Plus, you can save 10% if you bundle two or more policies. 

Next offers a straightforward online quote and application process that results in a live certificate of insurance that is shareable online or via the app. And you can add an additional insured for free to your certificate at any time. The company has an A- (Excellent) financial strength rating from AM Best, which indicates the company is in an excellent financial position to pay claims. Next also received far fewer complaints with the NAIC over the last two years than were expected given the company’s market share. And the company has excellent customer reviews on Facebook. 

Best Business Owner's Policy : Huckleberry

Investopedia's Rating
4.6

Huckleberry Insurance logo

Huckleberry

Why We Chose It

Huckleberry offers an affordable food truck business owners policy (BOP) that bundles commercial property, general liability, and business interruption insurance.

Pros & Cons
Pros
  • Offers a BOP that includes business interruption insurance

  • Excellent customer service reviews on Trustpilot

  • Offers commercial auto, liquor liability, and food spoilage coverage

Cons
  • Not available in Ohio, North Dakota, Washington, or Wyoming

Overview

Huckleberry offers business owner's policies for food truck owners starting at $42 per month. The policy bundles general liability insurance, commercial property insurance, and business interruption insurance, which helps replace your earnings after a covered loss. Some BOPs may not include business interruption insurance, but it’s important for food truck owners to have. You can even get food spoilage coverage from the company to get a payout if food goes bad due to a covered event. What’s more, Huckleberry offers commercial auto and liquor liability coverage, so you can get all the coverage you need from one company. 

Huckleberry’s BOPs are underwritten by Markel, which has an A (Excellent) financial strength rating with AM Best, and Chubb, which is rated A++ (Superior). Both companies had fewer complaints with the NAIC than expected given their market shares. And Huckleberry has great customer service reviews on Trustpilot. What’s more, the company makes it easy to get a quote and secure coverage instantly online.  A business owner’s policy for a food truck owner starts at $36 per month.

Best for Food Trailers : FLIP

Investopedia's Rating
4.6

Food Liability Insurance Program (FLIP)

Food Liability Insurance Program (FLIP)

Why We Chose It

FLIP offers a food trailer endorsement with its packaged food liability policy. Food liability coverage starts at $299 per year.

Pros & Cons
Pros
  • Offers a food trailer endorsement

  • Affordable coverage starts at $299/year

  • Includes inland marine coverage

  • Online application with instant certificates

Cons
  • Doesn’t offer commercial auto insurance

Overview

FLIP specializes in covering food businesses and offers very affordable packages starting at $299 per year. FLIPs standard coverage plan includes general liability, business personal property (inland marine), product liability, and rental premises coverage. You can also buy up to three days of temporary coverage for events, and the company offers liquor liability insurance as well. For businesses with trailers, FLIP offers both food trailer insurance and food truck insurance with a trailer endorsement. You can apply for coverage entirely online, and you’ll receive an instant certificate of insurance. Add as many additional insureds to your policy as you want at no cost.

FLIP is backed by Great American Insurance Group, which has an A+ (Superior) financial strength rating with AM Best. The insurer also had fewer complaints with the NAIC than expected, given its size. However, a major drawback is that the company does not offer commercial auto insurance. You’ll need to get your commercial auto coverage elsewhere, unless you have a stationary food truck. 

Best for Financial Stability : BiBerk

Investopedia's Rating
4.1

BiBerk

BiBerk

Why We Chose It

BiBerk is a highly reputable one-stop shop for all your food truck business insurance needs.

Pros & Cons
Pros
  • A++ financial strength rating with AM Best

  • Offers a customizable business owner’s policy

  • Offers commercial auto insurance for food trucks

  • Excellent customer service reviews

Cons
  • Most coverages only available in 26 states

Overview

BiBerk is part of Berkshire Hathaway Group, which has 75 years of insurance experience. All of the company’s subsidiaries are rated A++ (Superior) for financial strength from AM Best. BiBerk also has excellent customer service reviews on third-party websites, like Trustpilot and Facebook. You can get a quote and buy a policy entirely online. And the company offers a wide range of insurance coverages to meet the needs of almost any food truck business. 

You can endorse BiBerk’s business owner’s policy with a liquor liability add-on, along with several other specific coverages. You can also get worker’s compensation and commercial auto insurance from the company. BiBerk’s BOP policies start at $500 per year. 

Best for Flexible Coverage : Thimble

Investopedia's Rating
3.9

Thimble Insurance

Thimble Insurance

Why We Chose It

Thimble offers flexible on-demand liability policies that start at $5 per hour; plus, policies are written on an occurrence form.

Pros & Cons
Pros
  • On-demand coverage available by the job, month, or year

  • Get a quote and purchase coverage in minutes

  • Coverage is occurrence-based

  • Excellent customer service reviews on Trustpilot

Cons
  • Doesn’t offer commercial auto or liquor liability insurance

Overview

If you tend to need event coverage, seasonal coverage, or just payment flexibility on an annual policy, Thimble is a great option. On-demand liability policies start at just $5/hour, and you can buy monthly or annual coverage as well. The company offers general liability, commercial property, business equipment, workers’ compensation, a business owner’s policy, and more. However, Thimble doesn’t offer as many specialized enhancements as some competitors, like BiBerk. And you can’t get commercial auto or liquor liability insurance from the provider. Certain coverages are also only available in select states. 

Thimble works with several insurers, and each are rated A (Excellent) or higher for financial strength by AM Best. The company also has excellent customer reviews on Trustpilot. And we appreciated the ease of the application process—you can get a quote and buy coverage in minutes. What’s more, Thimble offers occurrence form coverage, which is more robust than claims-made coverage. With Thimble, you’ll be covered for incidents that occurred while your policy is in effect, even if you’ve since canceled coverage or moved on to a different insurer. 

Best Marketplace : CoverWallet

Investopedia's Rating
3.8

CoverWallet

CoverWallet

Why We Chose It

CoverWallet offers a convenient platform on which to compare food truck insurance quotes from different providers.

Pros & Cons
Pros
  • Build a customized package of coverages

  • Compare quotes across insurance providers

  • Speak with a dedicated advisor

  • Access a digital wallet with certificate of insurance

Cons
  • Not a direct insurance provider

Overview

If you’d like to compare quotes from different insurance providers in one place, CoverWallet is our top pick for food truck insurance comparison marketplaces. It’s easy to build a package of the coverages you need with the company’s quote tool, including general liability, commercial property, inland marine, workers’ compensation, liquor liability, and commercial auto. You can purchase coverage online, or you can speak to your own dedicated advisor at any time for help understanding your coverage needs. 

Once you’ve purchased a policy, you’ll also have access to a digital wallet, where you can manage your payments, find details about how to file a claim, add more coverage, and instantly download a certificate of insurance for easy sharing. However, keep in mind that CoverWallet is not a direct insurer. The provider you choose will be responsible for handling your claims, so you’ll want to evaluate your options based on financial strength and customer satisfaction as well as cost. 

Final Verdict

If you want to get a BOP as well as commercial auto coverage, you’ll be best served by Next, Huckleberry, or BiBerk. The right choice for you will depend on the package that best fits your needs and your budget. If you have a stationary food truck or trailer or already have commercial auto coverage elsewhere, consider FLIP or Thimble, especially if you need temporary coverage. And it’s always a good idea to compare multiple provider quotes—that’s where a marketplace like CoverWallet comes in handy.

What Is Food Truck Insurance?

Food truck insurance is a package of insurance coverages. At a minimum, food truck insurance should include general liability insurance and commercial auto insurance. It’s also a good idea to carry commercial property and inland marine (business personal property) as well. If you have employees, you may need workers’ compensation coverage as well, and if you serve liquor, you’ll need to add a liquor liability endorsement. 

How Much Is Insurance for a Food Truck?

The cost of food truck insurance starts between $299 and $500, depending on your coverage needs, your location, and the company you choose. However, those rates don’t include commercial auto, and you may need additional coverages as well, such as liquor liability. Getting a customized quote is the best way to accurately estimate your price. 

What Is Food Liability Insurance?

Food liability insurance is used to describe general liability coverage for food businesses or a package of food-specific liability coverages. Food liability insurance may also refer to coverage for lawsuits resulting from foodborne illness, incorrect allergen labeling, and other food product liability issues.

What Is Food Trailer Insurance?

Food trailer insurance is coverage you need if you have a food trailer. Food trailer insurance is also referred to as a food trailer endorsement. It typically includes liability coverages that help cover lawsuits from incidents arising in your trailer. It doesn’t cover damage to your trailer as a result of transportation—you’ll need commercial auto insurance for that.

What Is a Business Owners Policy?

A business owner's policy is a packaged policy with commercial property insurance and general liability insurance. Commercial property insurance covers damage to your building and general liability insurance covers legal action from customers claiming your business is responsible for causing them harm. Many business owner’s policies also include business interruption insurance, which helps replace lost income due to a covered event.

Methodology

We evaluated coverage options across companies, prioritizing insurers that offered commercial auto and other coverages necessary for food truck businesses. We also compared the ease of the application process, giving preference to companies that offered an online quote and application process, along with other digital tools. We only chose companies with an A- (Excellent) or higher financial strength rating and eliminated insurers with a high NAIC complaint index. And we evaluated cost factors, such as lowest available premiums and payment options, while also paying attention to accessibility criteria, such as revenue limits.

Customers lining up And Purchasing From Food Truck

Hinterhaus Productions / Getty Images

Article Sources
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