Covers your food truck vehicle for liability, collision, and comprehensive. A food truck is a commercial vehicle — personal auto policies exclude commercial use. Commercial auto coverage is the foundation of any food truck insurance program.

Covers bodily injury and property damage claims from customers and third parties. Slip and falls, food-related illness claims, and property damage at events are common liability exposures for food truck operators.

Covers claims arising from food you serve — illness, allergic reactions, or contamination. Product liability is often included in general liability policies but may require a specific endorsement for food service operations.

Covers your food truck equipment — cooking equipment, refrigeration, point-of-sale systems, and inventory. Food truck equipment is expensive and a breakdown can halt your business operations.

Covers lost income if your food truck is out of service due to a covered loss — accident, equipment breakdown, or fire. Food trucks are single-unit operations where any downtime means lost revenue.

Required in Oregon if you have employees. Food truck operations often involve part-time and seasonal workers — workers' compensation coverage is required regardless of the number of hours worked.