Food Truck Insurance in Tennessee

Tailored insurance for your food truck business needs

Your food truck is more than a vehicle — it's your business on wheels. That's why having the right food truck insurance is essential. Whether you're just getting started or adding new trucks to your lineup, we offer flexible commercial food truck insurance policies to fit your unique needs.

From your kitchen equipment to protection on the road, Applegate Insurance Ageny is here to help. Our expert agents can customize a food truck policy just for you.

What is food truck insurance?

Food truck insurance is specialized business insurance for mobile food vendors. It protects your vehicle, cooking equipment, staff, and customers. Depending on the coverages you choose, it can help with unexpected events, such as accidents, equipment breakdowns, and food-related incidents.

Why food truck insurance is important

Food trucks are a unique, fun way to bring great food to your community. With so much going on behind the scenes, it's important to have coverage that keeps your business running smoothly. The right food truck insurance helps you stay prepared by providing protection from risks related to your mobile operation. It can minimize the financial impact of accidents, equipment breakdown, food spoilage, kitchen fires, and even legal claims.

Insuring your food truck isn't just a smart move — it also keeps you compliant with legal and contractual requirements. Municipalities and event venues may want you to provide a COI showing you have general liability protection and legally mandated commercial auto coverage.

Who needs food truck insurance?

Businesses that commonly need food truck insurance include:

Mobile food trucks
Lunch trucks
Catering trucks
Concession trucks
Vending trucks
Ice cream trucks

Types of insurance for food trucks

Food trucks legally need certain types of insurance and could benefit from carrying additional coverages, too. The right policy will help protect what you've built so you can focus on your business. Common coverages for food trucks are:

Commercial auto: Liability coverage on a commercial auto policy is essential for food trucks and trailers. It helps pay for injuries and property damage you cause to others while driving your truck. You can also add physical damage insurance to your policy to protect your vehicle and permanently attached appliances and equipment.
Workers' compensation: If you have staffers who help run your food truck business, most states require a workers' comp policy. It helps cover medical expenses and lost wages if your employees experience job-related injuries or illness.
General liability (GL): While not legally required, food truck liability coverage protects your business from everyday risks when you're parked and serving food. It can cover things like customer injury, food-related illnesses, or damage to someone else's property. GL also includes personal and advertising injury protection, which can help if someone claims your marketing caused harm.
Business owners policy (BOP): A BOP is a flexible policy that combines liability with commercial property coverage. It has the same protections as general liability but adds coverage for your business personal property, like point-of-sale tablets, blenders, and prep tables. It can even cover your equipment at a permanent prep kitchen. Explore additional BOP coverages.

You can also add endorsements to a BOP for expanded protection. For example, food truck businesses can benefit from adding equipment breakdown insurance, food spoilage coverage, and cyber insurance.

How much does food truck insurance cost?

The cost of your food truck business insurance will depend on many factors, like the value of your truck and permanently attached equipment. For example, a food truck with $15,000 of built-in fixtures and appliances would likely have a higher premium than a food truck with $8,000 worth of fixed equipment.

The type of foods you sell can also have an impact. A food truck with a grill or fryer can expect to pay more than a truck that just needs a prep table and refrigerators to prepare sandwiches.

You can also have different requirements depending on where you operate. Learn more about commercial auto insurance laws by state.

Call us or start a quote online to find out how much you'll pay for food truck insurance.

Get your free food truck insurance quote and save

Our carriers, like Progressive Commercial and ERIE Insurance makes getting all your food truck insurance in one place easy. Start a quote online or call us to speak with an expert agent who'll help you get custom coverage.