Best Food Truck Insurance Companies of 2024

Next offers affordable liability coverage—74% of customers pay between $23 and $28 per month, with no fee for paying monthly—and product liability is included when you purchase general liability coverage. You can add property coverage for your premises and your equipment as well as commercial auto and liquor liability insurance, if needed. All this makes Next a comprehensive solution for your food truck insurance needs. Plus, you can save 10% if you bundle two or more policies. 

Next offers a straightforward online quote and application process that results in a live certificate of insurance that is shareable online or via the app. And you can add an additional insured for free to your certificate at any time. Next received far fewer complaints with the NAIC from 2020-2023 than were expected given the company’s market share.

Huckleberry offers business owner's policies for food truck owners starting at $42 per month. The policy bundles general liability insurance, commercial property insurance, and business interruption insurance, which helps replace your earnings after a covered loss. Some BOPs may not include business interruption insurance, but it’s important for food truck owners to have. You can even get food spoilage coverage from the company to get a payout if food goes bad due to a covered event. What’s more, Huckleberry offers commercial auto and liquor liability coverage, so you can get all the coverage you need from one company. 

Huckleberry partners with a number of reliable insurance companies to offer coverage, including AmTrust Financial Services, Chubb, and Markel. And Huckleberry has great customer service reviews on Trustpilot. What’s more, the company makes it easy to get a quote and secure coverage instantly online. 

FLIP specializes in covering food businesses and offers very affordable packages starting at $299 per year. FLIPs standard coverage plan includes general liability, business personal property (inland marine), product liability, and rental premises coverage. The company offers liquor liability insurance as well. For businesses with trailers, FLIP offers both food trailer insurance and food truck insurance with a trailer endorsement. You can apply for coverage entirely online, and you’ll receive an instant certificate of insurance. Add as many additional insureds to your policy as you want at no cost.

FLIP had fewer complaints with the NAIC than expected, given its size. However, a major drawback is that the company does not offer commercial auto insurance. You’ll need to get your commercial auto coverage elsewhere, unless you have a stationary food truck. 

BiBerk is part of Berkshire Hathaway Group, which has over 75 years of insurance experience. All of the company’s subsidiaries are rated A++ (Superior) for financial strength from AM Best. BiBerk also has excellent customer service reviews on third-party websites, like Trustpilot and Facebook. You can get a quote and buy a policy entirely online. And the company offers a wide range of insurance coverages to meet the needs of almost any food truck business. 

You can endorse BiBerk’s business owner’s policy with a liquor liability add-on, along with several other specific coverages. You can also get worker’s compensation and commercial auto insurance from the company. BiBerk’s BOP policies start at about $500 per year. 

If you tend to need event coverage, seasonal coverage, or just payment flexibility on an annual policy, Thimble is a great option. You can buy coverage by the hour, day, or week as well as by the job, month, or year. The company offers general liability, commercial property, business equipment, workers’ compensation, a business owner’s policy, and more. However, Thimble doesn’t offer as many specialized enhancements as some competitors, like BiBerk. And you can’t get commercial auto insurance from this provider. Certain coverages are also only available in select states. 

Thimble works with several insurers, and each are rated A- (Excellent) or higher for financial strength by AM Best. The company also has excellent customer reviews on Trustpilot. And we appreciated the ease of the application process—you can get a quote and buy coverage in minutes. What’s more, Thimble offers occurrence form coverage, which is more robust than claims-made coverage. With Thimble, you’ll be covered for incidents that occurred while your policy is in effect, even if you’ve since canceled coverage or moved on to a different insurer.