Liquor liability for food businesses averages $58 per month according to Insureon’s commercial data. You may also need it to obtain a liquor license in many jurisdictions.
How Much Is Food Truck Insurance Monthly? Real Numbers by Coverage Type
These are 2025–2026 averages drawn from Insureon, MoneyGeek, Insureopedia, and FLIP’s published pricing:
General Liability only: $25.92 (FLIP entry) to $141/month average
BOP: $85 to $207/month average; ERGO NEXT $112/month
Commercial Auto: $170/month average
Workers’ Comp: $43 to $78/month
Full Bundle (BOP + auto + workers’ comp): $250 to $400/month, or $3,000 to $5,000 annually
Recommended bundle with all add-ons: $312/month per MoneyGeek’s 2026 composite