Food Truck Insurance in California
As Low As $79/month
Who Needs Food Truck Insurance?
Anyone who cooks or sells food from a vehicle. A personal auto policy will not cover a truck you use for business, and a single accident or a sick customer can cost more than the truck is worth. We insure:
- Taco trucks and loncheras
- Food trucks of every kind
- Coffee, dessert and ice cream trucks
- Catering trucks
- New owners with no prior commercial insurance
We insure food trucks in California and Texas.
What Does Food Truck Insurance Cover?
A food truck needs more than one kind of coverage. We put the truck and the liability in one place:
- Commercial auto: your truck on the road, including accidents and your liability to other drivers.
- General liability: customers at your service window, including injuries and claims from the food you serve.
- Equipment: permanently attached cooking equipment and cargo.
- Workers’ compensation: required as soon as you have one employee. See our workers’ comp page.
How Much Does Food Truck
Insurance Cost?
Food truck insurance from MIS starts as low as $79 a month. Prices vary. Yours depends on the value of your truck and equipment, the driving records of everyone who drives it, where you operate, the coverage limits you choose and your claims history. Call us or request a quote and we’ll give you an exact price.
Who Asks for Proof of Insurance?
You will often be asked to show proof of insurance before you can park and sell. The people who usually ask are:
- Event and festival organizers
- Commissaries and commercial kitchens
- Property owners who let you set up on their lot
- The lender, if your truck is financed
Once your policy is in place, we can send a certificate of insurance to whoever needs it.
Ways to Save on Food Truck Insurance
- Put the truck and the liability with one agency. It is simpler, and you are less likely to leave a gap.
- Keep clean driving records. The records of everyone who drives the truck affect your price.
- Choose a higher deductible. A higher deductible usually means a lower monthly price.
- Insure the truck for what it is worth. List your equipment so you are covered for it, and not paying for more than you have.
- Let us shop for you. We compare several carriers so you don’t have to.
Food Truck Insurance
Questions and Answers
How much is food truck insurance in California?
Food truck insurance from MIS starts as low as $79 a month. Prices vary by truck, drivers, location and coverage.
Is taco truck insurance the same as food truck insurance?
Yes. It is the same coverage whatever you cook: the truck, your liability and your equipment.
Does my personal auto policy cover my food truck?
No. Personal auto policies generally exclude vehicles used for business. A food truck needs commercial auto insurance.
I’m new and have no prior commercial insurance. Can you insure me?
Yes. No prior commercial insurance is no problem.
Do I need workers’ comp for my food truck?
If you have even one employee, yes. See our workers’ compensation page.
An event organizer wants a certificate of insurance. Can you send one?
Yes. Once your policy is in place, we can send a certificate to the organizer, commissary or property owner.
How fast can I get a quote?
You can get a quote in about 3 minutes online, or call us and speak to an agent.
What else do you insure for small businesses?
We also offer commercial auto for other work vehicles and general liability for shops, restaurants and contractors.
MIS Insurance provides food truck insurance in all cities in California including: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, Stockton, Chula Vista, Irvine, Fremont, San Bernardino, Modesto, Fontana, Oxnard, Moreno Valley, Huntington Beach, Glendale, Santa Clarita, Oceanside, Garden Grove, Rancho Cucamonga, Santa Rosa, Ontario, Elk Grove