Florida: Commercial auto is mandatory. No-fault personal injury protection (PIP) rules do not apply to commercial vehicles. General liability of $500,000 to $1M is typically required by major event venues in Miami, Tampa, and Orlando.
New York: Commercial auto is mandatory. Workers’ comp and disability insurance are both required with any employees. NYC food truck permits specifically require $1M/$2M general liability on the COI.
Illinois: Commercial auto is mandatory. Chicago’s Mobile Food Dispenser license requires general liability insurance of $1M per occurrence and $2M aggregate — among the strictest requirements in the US.