3519 SOUTH MAIN STREET New Castle, IN
How Much General Liability Insurance Does a Food Truck Need?
How Much General Liability Insurance Does a Food Truck Need?
Operating a food truck can be a rewarding business, but it also comes with risks—from customer injuries to property damage. General liability insurance is essential to protect your business from financial losses due to accidents or lawsuits. But how much coverage does a food truck actually need?
Understanding General Liability Insurance for Food Trucks
General liability insurance covers:
(e.g., a customer slips and falls near your truck)
(e.g., you accidentally damage a vendor’s equipment)
(e.g., a claim of slander or copyright infringement)
Without this coverage, a single lawsuit could devastate your business.
Recommended Coverage Limits
Most food truck owners should carry at least million per occurrence and million aggregate (total coverage per policy term). This is a common industry standard and is often required by:
(festivals, fairs)
(if you operate on private property)
(some cities mandate minimum coverage)
Factors That Influence Your Insurance Needs
– High-traffic areas may increase risk exposure.
– Greasy or high-risk foods (e.g., deep-fried items) may raise liability concerns.
– Some states or cities require higher minimums.
– If you work with catering clients, they may demand additional coverage.
Additional Coverages to Consider
– Covers accidents while driving the truck.
– Protects against foodborne illness claims.
– Covers repairs if your fridge or grill fails.
Cost of General Liability Insurance for Food Trucks
Premiums typically range from ,000 to ,000 annually, depending on factors like:
– Revenue
– Claims history
– Coverage limits
Final Recommendation
Start with million per occurrence / million aggregate and adjust based on your specific risks. Consult an insurance agent specializing in food trucks to ensure proper protection.
By securing the right general liability insurance, you can focus on serving great food—without worrying about unexpected financial setbacks.
Would you like help finding insurance providers that specialize in food truck coverage?
