Step 3 — Get at Least Three Competing Quotes
Request quotes from at minimum: ERGO NEXT or Insureon (online marketplace), Progressive Commercial (direct for auto), and The Hartford (direct for fleet or specialty coverage). Do not use a general personal auto comparison tool for commercial food truck insurance — the coverage categories do not translate correctly.
Step 4 — Compare the Exclusions, Not Just the Price
Read what is specifically excluded before signing. The four most common commercial food truck insurance exclusions are: off-premises equipment coverage gaps, foodborne illness sublimits, employee dishonesty exclusions, and pollution exclusions that affect generator exhaust or propane incidents. Ask your agent to confirm how each applies.