Food & Beverage Truck Insurance
4.8/5 on
- Event- & Venue-Ready Coverage
- Bundled General & Product Liability
- Tailored for Food & Beverage Businesses
- Buy Online in Minutes
What Is Food Truck Insurance?
Food truck insurance is a type of food liability policy made to protect mobile businesses from costly third-party claims that can arise during day-to-day operations, like injuries to customers, property damage, or food-related illnesses. It can also cover repairs or replacement of your essential business equipment if it’s damaged, lost, or stolen.
- Flexible Policies: With affordable payment plans and nationwide coverage, our policies follow you on your route to success.
- Same-Day Protection: Instant access to your Certificate of Insurance (COI) so you’re ready when a venue or organizer asks for proof.
- Customizable Coverage: Whip up a policy as unique as your menu with optional coverages for your gear, staff, or online orders.
What Types of Insurance Do I Need for My Food Truck?
Every food truck needs general and product liability at a minimum. Insurance Canopy’s base plan gives you these basics, as well as a few others for the best possible protection:
- General Liability Insurance
- Product Liability Insurance
- Personal and Advertising Injury
- Damage to Rented Premises
- Free, unlimited additional insureds
Need more coverage? Tailor your policy to fit your setup, whether you serve alcohol, operate a trailer, take digital payments, or manage a crew. Optional coverages include:
How Much Is Insurance for a Food Truck?
A base food truck insurance policy starts at just $25.92 per month or $299 per year. You can add optional coverage, like Tools & Equipment, to better protect your business from unexpected (and expensive) claims.
Food for Thought
Slip-and-fall injuries are the #1 claim we receive from food trucks. They cost business owners an average of $6,271, meaning you save big when you’re insured!
Coverage Details
General & Professional Liability
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims you are legally obligated to pay due to your business and food/beverage products.
$2,000,000
Products & Completed Operations Aggregate
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims you are legally obligated to pay due to your business and food/beverage products
$2,000,000
Personal & Advertising Injury
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$300,000
Liability Deductible
No Deductible
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible
$250
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Keep your food truck protected on the go and at every stop. Our flexible, affordable policies cover you for common claims so you can keep serving your best dishes, worry-free.
Questions About Mobile Food Truck Insurance
Why Do I Need Insurance for My Food Truck?
You need insurance for your food truck to:
- Protect yourself from claims, like injuries or food-related illness
- Meet common insurance requirements
- Cover equipment damage, theft, or loss
- Build trust with customers, event organizers, and partners
- Gain peace of mind while you focus on serving great food
Accidents happen, and without insurance, you could be stuck paying thousands out of pocket for a claim. Protect your dreams and livelihood with a policy today!
Do I Need Insurance if I Only Serve Food at Events and Festivals?
Yes, you need insurance if you only serve food at events and festivals! It’s designed to quickly fulfill insurance requirements for most events and include additional insureds for free.
It also covers you for common claims you may face at an event, like a customer slipping near your truck or getting sick from your food.
What Is an Additional Insured for Food Trucks?
An additional insured for food trucks is a third-party entity you add to your policy before doing business with them, like:
- Event organizers
- Venue owners
- Property managers
- Party hosts
- Markets or festivals
- Cities or municipalities
Adding a third-party to your policy helps extend coverage to them in case there is an accident your business is responsible for. Many events and locations require all vendors, including food trucks, to add them to your policy before they can start serving customers.
Will My Personal Car Insurance Cover My Food Truck?
No, your personal car insurance won’t cover your food truck because it’s considered a business vehicle. To protect your truck itself, you’ll need a commercial auto policy.
Liability insurance (like what Insurance Canopy offers) covers accidents or claims caused by your truck or business operations — something personal and commercial auto policies don’t include.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
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