Author: Jason Morrison | August 14, 2023
Edited by: Jason Morrison and Reviewed: Jason Morrison
Ensure the security of your food truck business with the right insurance coverage. Finding quality insurance for small business, like food truck insurance, can be challenging. Our research reveals the top 10 food truck insurance companies in 2024, considering factors like financial stability, customer satisfaction, and policy offerings.
| Company | Online quote | Instant COI | Financial rating from AM Best | Policy options |
| Progressive Food Truck Insurance | Yes | No, need to call | A+ (Superior) | General liability, commercial property, commercial auto, liquor liability, etc. |
| CoverWallet | Yes | Yes | CoverWallet works with carriers that have an Excellent rating or higher | General liability, commercial property, commercial auto, workers’ compensation, etc. |
| Insurance Bee | Yes | Yes | Insurance Bee works with carriers that have an Excellent rating or higher | General liability, professional liability, cyber liability, etc. |
| Insure My Food Truck | Yes | No | Insure My Food Truck works with carriers that have an Excellent rating or higher. | General liability, commercial property, commercial auto, workers’ compensation, etc. |
| Simply Business | Yes | Yes | Simply Business works with providers that have an Excellent rating or higher. | General liability, professional liability, business owners policy (BOP), etc. |
| CNA | Yes | No | A (Excellent) | General liability, commercial property, commercial auto, workers’ compensation, etc. |
| Gallagher | Yes | Yes | Gallagher works with carriers that have an Excellent rating or higher | General liability, commercial property, commercial auto, workers’ compensation, etc. |
| GEICO | Yes | Yes, through the online portal | A++ (Superior) | Commercial auto only for food trucks |
| Travelers | Yes | Yes | A++ (Superior) | General liability, commercial property, commercial auto, workers’ compensation, etc. |
| FLIP | Yes | Yes | A+ (Superior) | General and product liability only for food vendors |
| Hiscox | Yes | No, Available within one day | A (Excellent) | General liability, professional liability, business owners policy (BOP), cyber liability |
Progressive Food Truck Insurance is a top provider of insurance for food trucks. They offer a comprehensive policy that covers both the vehicle and the business operations. Progressive is known for its reputation as the largest insurer for commercial autos and its expertise in properly insuring food trucks.
Why choose it?
Claims services are available 24/7, allowing for prompt reporting of accidents, even on weekends. It also claims in-house, ensuring direct and efficient processing.
It has been awarded an A+ Superior rating by AM Best.
CoverWallet is a top insurance provider known for its convenient online platform. It offers quick online quotes from multiple carriers, making it easy for customers to compare coverage options. With a focus on convenience and a wide range of coverage offerings, CoverWallet aims to provide an efficient and streamlined insurance experience for businesses.
Why Choose it?
CoverWallet has listed top rated insurance providers with AM Best ratings of Excellent or Higher.
Insurance Bee is an insurance provider that focuses on helping small businesses manage their risks. They emphasize the importance of risk planning and offer guidance and tools to make risk management straightforward. Insurance Bee offers coverage for various types of risks, including compliance, operational, financial, reputational, and strategic risks.
Why choose it?
Insurance Bee is a suitable choice for small businesses seeking comprehensive coverage and guidance in risk management. With a focus on tailored solutions, they specialize in serving small businesses and have a deep understanding of their unique needs and challenges. By providing targeted insurance solutions, Insurance Bee addresses specific risks faced by small businesses.
The financial rating depends on the rating of the carrier that issues the policy. Insurance Bee works with carriers that have an Excellent rating or higher from AM Best.
Insure My Food Truck is a leading provider of mobile food truck insurance, specializing in comprehensive coverage for food trucks, food trailers, and mobile food vendors. They understand the industry’s unique needs and offer a tailored insurance program with competitive pricing.
Why choose it?
Food truck owners should choose Insure My Food Truck for their specialized expertise in food truck insurance. Their understanding of the industry’s unique risks, comprehensive coverage options, competitive pricing, and established track records make them a reliable choice for food truck owners looking for tailored insurance solutions.
Insure My Food Truck works with carriers that have an A, Excellent rating or higher from AM Best.
Simply Business is one of the U.K.’s largest business insurance providers, offering small businesses and landlords coverage. With over 800,000 customers, they provide fast and flexible insurance solutions tailored to meet the needs of different businesses.
Why choose it?
Businesses should choose Simply Business for its comprehensive coverage options, customer-focused approach, and hassle-free purchasing process. With their wide range of insurance products and expertise in serving small businesses and landlords, Simply Business can provide tailored solutions that meet the unique needs of each customer.
Simply Business works with providers that have an Excellent rating or higher with AM Best.
CNA is a leading commercial insurance provider that offers a range of insurance solutions for businesses of all sizes. With a strong presence in the United States and a global reach, CNA has established itself as a trusted insurer known for its expertise in various industries.
Why choose it?
Businesses should choose CNA for its industry expertise, strong financial stability, and comprehensive coverage options. By partnering with CNA, businesses can benefit from tailored insurance solutions that address their specific industry risks.
CNA has a rating of A Excellent from AM Best.
Gallagher is a global insurance brokerage and risk management company offering various insurance solutions and consulting services. With a presence in over 150 countries, Gallagher has established itself as a trusted provider in the insurance industry, serving both businesses and individuals.
Why choose it?
Businesses should choose Gallagher for its global reach, industry expertise, and comprehensive risk management services. Gallagher’s ability to offer tailored insurance solutions based on industry-specific risks and their commitment to providing risk management support can be valuable for businesses.
Gallagher works with carriers that are rated by AM Best.
GEICO is a reputable insurance provider that specializes in offering coverage for restaurants with food truck operations. With a comprehensive policy and easy-to-understand language, GEICO allows for customization, such as adding equipment breakdown coverage.
Why choose it?
Restaurants with food truck operations can benefit from GEICO’s highly customizable policies, technological convenience, and strong financial backing. GEICO’s expertise in providing insurance for food carts and its nationwide availability make it a top choice for businesses in this sector.
GEICO has the highest rating of A++ from AM Best.
Travelers is a leading provider of insurance for the food service industry, offering customized coverage options for food truck owners and operators. Whether you run a catering business, a mobile bakery, or a gourmet burger truck, Travelers can help you protect your assets, employees, and customers from the unique risks you face.
You should choose Travelers food truck insurance if you are looking for a reliable and reputable insurer that understands the unique challenges and risks of the food service industry. Travelers have been providing insurance solutions for food service businesses for over a century and have gained the trust of many food truck owners and operators nationwide.
Travelers are one of the largest and most financially stable insurers in the U.S., with an A++ rating from AM Best.
Flip is a digital insurance provider that specializes in liability insurance for food trailers, including food truck owners and operators. Flip offers food truck insurance policies that can cover the risks of food contamination, customer lawsuits, equipment damage, and more.
Why choose it?
You should choose Flip food truck insurance if you are looking for a simple and affordable way to get food truck liability insurance. Flip can help you get a quote and purchase a policy online in minutes and customize your coverage options to fit your specific needs and budget.
Flip works with carriers such as Veracity Insurance Solutions LLC that has AM Best ratings of A+ Superior.
Hiscox is a company that offers business insurance for various industries, including food businesses. Hiscox is a U.K.-based company that has been in the insurance business since 1901. It provides customized insurance solutions for small and medium-sized businesses, as well as professionals and consultants.
Why choose it?
Hiscox is a good choice for food businesses that want customized and comprehensive insurance coverage that suits their specific needs and risks. Hiscox can protect various aspects of the food business operation, such as public liability, professional indemnity, business interruption, equipment breakdown, cyber risks, and more.
Hiscox has a financial rating of A Excellent from AM Best.
To evaluate companies for inclusion in our list of top food truck insurance providers, we conduct thorough research and analysis. We consider factors such as industry reputation, customer reviews, market presence, and specialized offerings. We analyze the types of coverage offered, assess their comprehensiveness and customization options, and review the financial stability of each insurer. This rigorous evaluation process helps us identify the best companies in terms of their offerings and suitability for food truck businesses.
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