Looking for Food Trucks / Concessionaires Insurance?
Protect your mobile food business from vehicle accidents, foodborne illness, equipment damage, and liability claims. Harper provides insurance for food trucks, concession stands, and mobile food vendors: with fast certificates for events, municipalities, and health departments.
What is Food Trucks / Concessionaires Insurance?
Food truck insurance protects mobile food vendors from the combined risks of operating a commercial kitchen and a moving vehicle. These risks include auto accidents, foodborne illness, equipment damage, customer injuries, and event-related liability. Coverage typically includes commercial auto insurance for the truck itself, general liability for customer injuries, product liability for food-related claims, and equipment or inland marine coverage for cooking equipment and generators. Cities, event organizers, and health departments often require proof of insurance before issuing permits or allowing vendors to operate.
Commercial Auto / Mobile Unit Coverage
Covers accidents involving your food truck, trailer, or mobile unit, including liability and physical damage while driving, parking, or operating at events.
Food & Product Liability
Protects against claims related to foodborne illness, contamination, allergic reactions, or improper food handling.
Equipment Protection (Inland Marine)
Covers cooking equipment, generators, refrigerators, fryers, and mobile kitchen tools against theft, damage, or loss, whether in transit or on-site.
Event & Location Liability
Covers customer injuries, slips, falls, or accidents occurring while operating at festivals, street locations, or private events.
Workers Compensation
Covers employee injuries, medical costs, and lost wages if you have staff working in or around the food truck.
Certificates
Fast proof of insurance for events, municipalities, health departments, and property owners.
Who Needs Food Trucks / Concessionaires Insurance?
- Food trucks : Businesses requiring specialized insurance coverage
- Concession trailers : Businesses requiring specialized insurance coverage
- Mobile food vendors : Businesses requiring specialized insurance coverage
- Pop-up and festival food services : Businesses requiring specialized insurance coverage
Why Harper?
Mobile Food & Event Expertise
Harper understands the unique exposure food trucks face: from driving risks and temporary locations to high-volume service and public events. Coverage is structured specifically for mobile food operations, not static restaurants.
Fast Proof for Permits & Events
Food truck operators often need certificates on short notice for festivals, pop-ups, or city permits. Harper delivers accurate documentation quickly so you don’t miss opportunities.
Clear, Practical Coverage Guidance
We explain commercial auto, food liability, and equipment protection in plain language so you know how coverage applies when you’re driving, cooking, or serving customers.
Coverage Matched to Your Setup
Whether you operate a single truck, a concession trailer, a cart, or multiple mobile units, Harper helps align coverage with your menu, equipment value, and operating locations.
Frequently Asked Questions
What insurance do food trucks need?
Most food trucks need commercial auto insurance for the vehicle, general liability for customer injuries, product liability for food-related claims, and inland marine or equipment coverage for cooking equipment. Workers compensation is required if you have employees.
Is food truck insurance required?
Yes. Municipalities and event organizers typically require liability insurance, states require commercial auto coverage, and health departments may require specific limits before issuing permits.
How much does food truck insurance cost?
Costs depend on vehicle value, menu risk, locations, and events. Most food trucks pay between $5,000 and $12,000 annually, with higher costs for alcohol service or multi-unit operations.
Does insurance cover vehicle accidents?
Commercial auto coverage applies to accidents involving your food truck during business operations, including travel to and from events.
Does insurance cover equipment breakdown or theft?
Inland marine or equipment coverage can protect cooking equipment, generators, and tools from theft, fire, or accidental damage, both on-site and in transit.
Can I add event organizers or cities as additional insureds?
Yes. Event contracts commonly require organizers or municipalities to be added as additional insureds. Harper handles certificates and endorsements for each event or permit.