Food Truck Insurance Cost
Pick a coverage to see the published figure, type a quote to compare, and tick coverages to add up a yearly budget.
How to use the food truck insurance cost tool
- Under “Coverage”, choose a row from the published table: general liability, workers’ compensation, business owner’s policy (BOP), liquor liability, commercial auto or cyber.
- Read the published figure per month and per year for that row. Where the source states limits, they appear with the figure. For example, general liability is listed as $1M per occurrence / $2M aggregate.
- Type your quote into “Your quote (optional)”, and set “Quote is per” to month or year to match how the quote is written.
- Read “Your quote against it” to see how far your quote is above or below the published figure.
- Open “More options” and enter “Annual revenue (optional)” and “Employees (optional)”. The tool then shows “Share of revenue” and “Per employee” for the ticked budget total.
- In “More options”, tick “Add to budget” for the coverages you want counted. Keep in mind that a sum of separate medians is not the price of a bundle.
- Treat every result as an estimate only. For an actual price, contact a licensed insurer or agent.
Nothing you enter is sent anywhere, because all calculations run in your browser. To check another coverage, choose a different row and read its figure against the same quote.
What does a published food truck insurance cost figure mean?
Each figure on this page is a published median from Insureon’s food truck insurance cost page, updated 18 September 2026. A median is the middle value in a group, so half of the policies in that group cost more and half cost less. The group is food truck owners who bought policies through Insureon. Most have fewer than five employees, annual revenue of about $50,000 to over $200,000, and five years or less in business.
How are the monthly and yearly amounts shown?
Each coverage row lists a published figure per month and a published figure per year. The tool shows both as published, so you can compare them directly. A quote typed per month is multiplied by 12 before it is compared with the yearly figure. That is simple arithmetic, not a figure from the source.
How does the tool compare a quote with the published figure?
The tool compares your yearly quote with the published yearly figure and states the gap as a percentage. A positive gap means the quote is above the published figure, and a negative gap means it is below. The result shows how far apart the two amounts are, and nothing more. It does not judge whether a quote is good or bad for your business.
Which factors does the source list for food truck insurance cost?
Insureon’s page lists the factors that affect its figures. These are the food and drink served, equipment value, location, number of employees, size and revenue, limits and deductibles, type of operation, optional add-ons and claims history. Your own quote may depend on some or all of these. The tool only compares amounts; it does not calculate how each factor changes a price.
Why is a total of coverages not a bundle price?
A sum of separate medians is not the price of a bundle. Each published figure describes one coverage on its own, based on the policies in Insureon’s group, which the source calls medians and also averages. When you add several rows together in “More options”, the total is a budget sum and not a bundled price. Ask a licensed insurer or agent for the cost of a combined policy.
Why might figures on other Insureon pages differ?
Insureon publishes different food-related pages, and their figures are not the same. Search-result text for another Insureon food-services page gave commercial auto at a median $135 a month and a BOP of $84 a month, against $209 and $96 here, so sources differ. This page uses only the figures from the food truck cost page, opened on 15 October 2026. If you see different numbers elsewhere, check which page the figure comes from.
Sources (checked 15 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| General liability | 2 coverage(s) added up from the published medians: $83 a month, $990 a year |
| General liability, quote $50 per month | Your quote of $50 a month ($600 a year) is 36.4% above the published median of $37 a month. |
| Workers' compensation, revenue $120,000 | 2 coverage(s) added up from the published medians: $83 a month, $990 a year |
| General liability, revenue $150,000 | 2 coverage(s) added up from the published medians: $83 a month, $990 a year |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
Is this food truck insurance cost tool free?
Yes. The tool is free, needs no sign-up, and does not ask for contact details. All calculations run in your browser, and nothing you type is uploaded.
Does this page give me a quote?
No. The page shows published medians from Insureon and compares them with a quote you type in. It gives no quote of its own. For a price, contact a licensed insurer or agent.
Does the tool tell me which coverage to pick?
No. The tool does not name any coverage, limit or amount to pick. You can compare the rows of the table, and a quote for your business comes from a licensed insurer or agent. Results are an estimate only.
Which limits does the table show?
Limits are shown only where Insureon states them. General liability and liquor liability show $1M per occurrence / $2M aggregate, and the BOP row shows the same limits with a $1,000 deductible.
Are these figures the average cost of food truck insurance?
This page calls them published medians. Insureon says they come from the median cost of policies but also calls them averages. They are for food truck owners who bought policies through Insureon and fit the group described on the source page, so they do not describe every food truck.
Does the tool store my revenue or employee numbers?
No. Your entries stay in your browser, and the tool does not upload them. Your revenue and employee numbers are used only to show the budget as a share of revenue and per employee on your screen.
Related tools
- Insurance cost by trade: the hub listing every trade page with published figures.
- Business insurance costs: the hub for coverage-type pages such as general liability and workers’ comp.
- Restaurant insurance cost: use it to compare published figures for a restaurant with a fixed kitchen.
- Coffee shop insurance cost: use it if your food business serves coffee and drinks from a fixed location.
- Bakery insurance cost: use it to compare a quote with published figures for a bakery.
- Auto repair shop insurance cost: use it to see published figures for a repair shop business.
- Cleaning Business Insurance Cost: use it to check a cleaning business quote against published figures.
- Daycare Insurance Cost: use it to check a daycare quote against published figures.