Commercial Food Truck Insurance Requirements by State (Key US Markets)
Texas: Commercial auto insurance is mandatory. Workers’ comp is not required by state law but is effectively required for any food truck operating at permitted events or private venues. General liability of $1M minimum is standard for Austin, Houston, and Dallas permit applications.
California: Commercial auto is mandatory. Workers’ comp is required the moment you hire any employee. California also requires carriers to be admitted (not surplus lines) for most small business policies, which affects your carrier options and pricing.