Food Truck Insurance
A food truck is a vehicle, a kitchen and a storefront all in one, so it needs more than an auto policy. You need coverage for the drive to your location, the cooking equipment inside, and the customers you serve at the window. Pacific Southwest Insurance Services builds food truck insurance packages that combine commercial auto, general liability and equipment coverage so you can meet event, commissary and city requirements.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
We write food truck coverage for businesses of every size, from a single vehicle to fleets of 10 or more. New ventures are welcome. Our clients include:
- Food trucks and taco trucks
- Catering trucks and lunch trucks
- Coffee, dessert and beverage trucks
- Food trailers and concession trailers
- Ice cream trucks
- Pop-up and event vendors
- New food truck startups
Coverage Options
- Commercial auto liability: Covers accidents while driving to and from your locations.
- Physical damage: Collision and comprehensive for the truck, including the cost of your kitchen build-out when it’s declared.
- General liability and product liability: Covers customer injuries and foodborne illness claims. Event organizers and property owners usually require it.
- Equipment breakdown and contents: Protects grills, fryers, refrigeration, generators and POS systems.
- Food spoilage: Pays for inventory lost when refrigeration fails.
- Workers’ compensation: Required in California when you have employees.
What Affects Your Premium
Every operation is different. Carriers typically look at:
- Value of the truck and kitchen equipment
- Type of food and cooking methods (fryers raise risk)
- Propane and generator use
- Where and how often you operate
- Annual revenue and number of employees
- Events and festivals you attend
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial auto carriers, including markets for new businesses
- Fast certificates of insurance, additional insureds and filings
- One agency for your commercial auto, general liability, bonds and more
- A real person answers the phone and knows your account
Frequently Asked Questions
What insurance do I need to park at events?
Most events require general liability, often $1,000,000 per occurrence, with the organizer named as additional insured. We can issue those certificates for you.
Does my auto policy cover the kitchen equipment?
Not always. Built-in equipment needs to be declared on the vehicle’s value, or covered separately. We’ll make sure nothing falls through the cracks.
Can you insure a food trailer?
Yes. Trailers and concession stands can be insured along with the tow vehicle.
Other Vehicles We Insure
- Pickup Truck Insurance
- Cargo Van & Sprinter Van Insurance
- Box Truck Insurance
- Dump Truck Insurance
- Pump Truck Insurance
- Cherry Picker, Bucket & Lift Truck Insurance
- Flatbed Truck Insurance
- Stake Bed Truck Insurance
- Commercial SUV Insurance
- Landscaping Truck Insurance
- Plumbing & HVAC Service Van Insurance
Don’t see your vehicle? We insure most commercial vehicles, from pickups to long-haul tractors. See all commercial auto coverage.
Get a Food Truck Insurance Quote
Tell us about your vehicles, drivers and operations and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.