Coverage for food trucks & mobile food.

It is generally a package: general and product liability for customer injury and foodborne-illness claims, commercial auto for the truck or trailer, and property/equipment coverage for your cooking gear and contents. Many operators add workers compensation once they have staff, and spoilage or loss-of-income coverage. Coverage terms vary by carrier.

The vehicle and driving exposure are handled by commercial auto, which is separate from the general/product liability on your food operation. Most mobile food operators need both — and your equipment inside is generally covered under property/inland marine, not auto.

Festivals, venues, property owners, and commissary kitchens routinely require a certificate of insurance — often naming them as additional insured — before you can serve or park. A food truck policy is generally intended to satisfy that request.

Yes — mobile food comes in many forms. Trucks, towable trailers, push carts, and concession stands each carry their own auto and equipment considerations, so disclose your setup so the coverage fits.