The 5 Best Food Truck Insurance Companies

Food trucks are increasingly popular and can be lucrative ventures. However, before diving into operating a mobile food truck or trailer, securing the appropriate insurance coverage is crucial. Typically, this includes general liability insurance, which encompasses product liability to protect against lawsuits stemming from food-related illnesses. Additionally, if you plan to drive your food truck on public roads, obtaining commercial auto insurance is essential.

1. Next Insurance

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Next provides affordable same-day general liability coverage, which includes some product liability, and can be tailored with options like commercial property, commercial auto, and liquor liability insurance. Their user-friendly online quote and application process quickly yield a live certificate of insurance that can be easily shared online or through the app.

Additionally, you can add an extra insured party to your certificate at no extra cost anytime. Notably, Next has received significantly fewer complaints to the NAIC between 2020 and 2023 compared to what would be anticipated based on its market share.

2. Huckleberry

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Huckleberry presents an economical business owners policy (BOP) tailored for food truck owners, bundling commercial property, general liability, and business interruption insurance. Partnering with trusted insurance providers such as AmTrust Financial Services, Chubb, and Markel, Huckleberry ensures comprehensive coverage. The company boasts excellent customer service reviews on Trustpilot. Additionally, securing a quote and coverage is a seamless process, available instantly online.

3. FLIP

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FLIP extends a food trailer endorsement alongside its bundled food liability policy, with coverage beginning at $299 annually. Specializing in food-related businesses, FLIP offers competitively priced packages starting at the same rate. Their standard coverage includes general liability, business personal property (inland marine), product liability, and rental premises coverage, with the option to add liquor liability insurance. Despite its size, FLIP has received fewer complaints to the NAIC than anticipated. However, it’s worth noting that the company does not provide commercial auto insurance; if your food truck is stationary, you’ll need to secure this coverage separately.

4. BiBerk

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BiBerk stands out as a trusted one-stop solution for all your food truck insurance necessities. Garnering stellar customer service reviews on platforms like Trustpilot and Facebook, BiBerk streamlines the process with entirely online quoting and policy purchasing. Their extensive range of insurance options caters to nearly every aspect of food truck businesses. With BiBerk, you can enhance their business owner’s policy with add-ons like liquor liability coverage, among others. Additionally, the company offers worker’s compensation and commercial auto insurance. BiBerk’s BOP policies commence at approximately $500 annually.

5. Thimble

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Thimble provides versatile on-demand liability policies available for purchase by the hour, day, or week, with occurrence-based coverage. Ideal for those requiring event, seasonal, or flexible payment options, Thimble offers coverage tailored to specific needs, whether by the hour, day, week, job, month, or year. Their offerings include general liability, commercial property, business equipment, workers’ compensation, and business owner’s policy. However, Thimble may lack the range of specialized enhancements found with competitors like BiBerk, and commercial auto insurance is not offered. Additionally, certain coverages are only accessible in select states.

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