FLIP (Food Liability Insurance Program) — Best Cheap Food Truck Insurance Entry Point
FLIP’s base commercial food truck insurance policy starts at $25.92 per month. It is a general liability-only product underwritten through Accelerant National. FLIP also offers a food trailer endorsement for $12.50 per month that extends GL coverage to detached food trailers at events. It does not offer commercial auto, so operators must carry a separate auto policy. Ideal for new operators or those with a separate fleet policy.
Insureon — Best for Comparing Multiple Quotes
Insureon is a licensed commercial insurance marketplace, not a direct carrier. It allows food truck operators to compare quotes from multiple A-rated insurers in one application. Insureon’s published averages from real food truck policies show BOP at $84/month and commercial auto at $170/month — useful benchmarks for negotiating with any individual carrier.