Food Truck Insurance

Food truck insurance for your business.

Food trucks are becoming more and more popular. Without the constraints of a physical restaurant building and kitchen, you’re free to travel to different locations, festivals, and more to serve your specialties. There’s a creative freedom in food trucks that’s not there in most restaurants, which is certainly a draw. But with all this freedom comes some unique risks. That’s why it’s important to have comprehensive food truck insurance coverage for your business.

Food Truck Insurance in South Carolina

Looking for a quote right now? Contact C.T. Lowndes & Co for a fast and accurate Food Truck Insurance quote today.

What is Food Truck Insurance?

Food truck insurance is a specialized business insurance package designed to protect food truck businesses, food trailers, ice cream trucks, mobile food trucks, and other food vendors.

Unlike standard commercial insurance, it covers the unique risks of operating a kitchen on wheels and serving customers in public spaces.

A complete food truck insurance portfolio can combine coverages such as:

Who Needs Food Truck Insurance?

Any business that prepares or sells food from a mobile unit needs insurance for food trucks, including:

If you operate a vehicle, serve food, take payments, use heat or fryers, employ staff, or travel from event to event, you face risks that only a dedicated food truck insurance policy can manage.

What Does Food Truck Insurance Cover?

Every truck has different risks, so coverage details and coverage limits will vary. Most insurance companies and insurance carriers offer flexible coverage options. C.T. Lowndes & Co works with experienced carriers to help design the necessary coverage for your setup.

Below are the core insurance coverages most food trucks need.

Commercial Auto Insurance
Your vehicle is your storefront. A commercial auto insurance policy or commercial auto policy protects against accidents, vehicle theft, and property damage involving the truck itself.

This includes commercial auto coverage that pays for repairs, replacement, and certain insurance costs tied to collisions or liability claims.

General Liability Insurance
This protects you if you are held liable for bodily injury, property damage, advertising injury, or other incidents that happen around your truck.

Strong general liability coverage and general liability protection help cover claims, legal costs, and payouts if someone is hurt or their property is damaged.

Product Liability Insurance
Covers claims involving food poisoning, contaminated food products, or any harm caused by what you serve.

Commercial Property Insurance
Protects business equipment, cooking tools, inventory, and supplies. Many food truck operations also use inland marine insurance to cover mobile items and equipment that move with the truck.

Business Interruption Insurance
If a covered event stalls your operation, this coverage replaces lost income and may help cover financial loss from being unable to operate.

Workers Compensation Insurance
If you hire employees, you need workers compensation, or workers comp. It covers medical expenses, medical costs, lost wages, and support after a work related injury.

How Much Does Insurance For My Food Truck Cost?

Many owners ask this. The answer depends on:

Your agent will evaluate insurance costs for your truck and build an insurance package that fits your needs and budget.

Get a Food Truck Insurance Quote

For more than 175 years, C.T. Lowndes & Co has helped South Carolina business owners and food truck vendors secure the right insurance.

Work with a local independent insurance agency that has earned a 4.8 star customer service rating from hundreds of satisfied policyholders.

Get your Food Truck Insurance quote from C.T. Lowndes & Co today and keep your business rolling with confidence.

Get Started Today

As an independent agency, we are here to help you find the right Food Truck Insurance coverage.