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Food Cart/Truck Insurance Quote - Charlotte, NC

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As a food truck owner, you are at the forefront of a booming industry.  Your mobile restaurant has many unique exposures that must be addressed to ensure the success of your business.  Your foot truck business is at risk from many different types of exposures including damage to the truck itself, lawsuits arising out of the sale of your food, and the added risk of driving your food truck to and from events, venues, and your prep kitchen.  Also, you are probably already aware that towns, cities, farmers markets and other venues will require you to show proof of food truck insurance just to be able to set up shop!  In fact, most venues, especially government organizations like towns and cities, will require that you carry at least $1,000,000 in General Liability Insurance coverage.

Whether you need refrigerated truck insurance, food cart insurance or commercial van insurance, we can help you get the proper food service vehicle insurance for your business. We are a specialist in commercial auto insurance and we offer customized insurance options for food trucks. Whether you're new to the food truck business or you've spent many years on the streets, we have insurance solutions for you. Because you depend on your vehicle every day, it's important to protect it with the proper food service vehicle insurance.

Food truck insurance coverages

Depending on your type of food truck business, you might need different types of food truck insurance.

We offer the food truck insurance basics like:

  • Liability insurance
  • Bodily injury insurance
  • Property damage insurance
  • Medical payment insurance
  • Physical damage insurance
  • And many more

When you call to get a food truck insurance quote, one of our licensed insurance professionals will help you determine which coverages you need while you're on the road.

They'll also let you know about our:

  • Customized Discounts – Depending on your business type, you may qualify for discounts for being an experienced business owner, or for having a General Liability or Business Owner's Policy.
  • Flexible Payment Options – Whether you pay online, by phone, or by mail, we offer multiple payment options. You can choose to pay monthly or pay your policy in full.
  • Superior Claims Service – Our claims service is designed to help you get back on the road fast. It includes 24/7 claims reporting, Concierge Service Centers, and an in-house staff of experts specially trained to handle your commercial claim.

To learn more about how our Food Truck/Cart Insurance coverages can protect you and to see how much you could save with our money saving discounts, please contact us today!



Insurance for mobile food vendors falls under several insurance policies. Food truck vendors need several insurance covers such as general liability and commercial vehicle insurance that can get expensive.

What is the cost of food truck insurance?

Street vendor insurance coverage varies depending on several factors, such as the number of trucks in the business, supplies, the value of equipment on the track, the total number of employees, and your coverage of choice. 

Food truck insurers have their ways of calculating the cost of insurance for the food cart business. Many of the factors include the characteristics of your business. These include

  • Business location. Business conducted in high crime area or targeting street fairs only have a significant impact on your premiums. 
  • Employee payroll. The type of work an employee does and the payroll cost determines the worker's compensation premiums. 
  • Property value. Apart from insuring your track and other permanently attached equipment, you need to take a cover for the other items in the truck. 

Other factors with an impact on your cover based on your choice include

  • Coverage amounts: Your premiums will depend on the limit you chose. A lower limit equals a low premium. The same goes when you choose fewer policies.  
  • Deductibles: Higher deductibles translate to lower premiums because you will take on significant financial responsibilities if you file a claim.
  • Actual cash value versus replacement cost: If the property policy covers the actual value of your equipment without factoring in depreciation cost, it will cost a little more. 
  • Additional insureds: you need to add your clients as additional insureds if you want to get well-paying corporate gigs and festivals. 

Types of food truck insurance policies

These are the most essential policy covers you need as a food truck business owner. However, depending on your situation, you may need to take a different cover.

Commercial auto insurance cover

All vehicles used for any business need to take commercial auto insurance coverage to protect them from damage in transit and liabilities. The policy protects your vehicle from physical damage to the truck and items attached permanently to it. 

Additional coverage includes:

Collision coverage- damages caused to the vehicle and other attached items when it collides with other vehicles or a barrier.

Liability coverage-injuries and damages caused to other and property while in motion.

Comprehensive coverage- fire, theft, vandalism, nature. 

Contents insurances

Also known as business property insurance, it covers all items in the truck that are not permanently attached to the unit. You have the options to choose between replacement cost value (covering the cost of a new product) and actual cash value (covering the price of the product and puts into account the cost of depreciation). The latter comes with high premiums than actual cash policies. 

General liability insurance

This policy protects your food truck from third-party accidents while stationary but operating. It covers, 

  • Product-related lawsuits involving food poisoning, food-borne diseases, and burns from hot food, etc. 
  • Advertisement lawsuits-including libel, personal injury, and slander (intentional and unintentional).
  • Property damage lawsuits and fines for causing damages to someone else's property. 
  • Premise lawsuit and legal fees for representation in court.  

Workers compensation insurance

It covers the cost of injuries to your employee's surfer while working. It pays for medical expenses, prescriptions, lost wages, and rehabilitation treatment. 

Please contact TWFG Insurance at 713-388-6681 to receive a free quote today.