Is commercial food truck insurance required by law? Commercial auto insurance is legally required in almost every US state. General liability is not a state law requirement but is effectively mandatory for operating at any permitted event, commissary kitchen, or city-licensed location. Workers’ comp is legally required in most states the moment you employ any staff.
Does my personal auto insurance cover my food truck? No. Personal auto insurance explicitly excludes vehicles used for commercial purposes. The exclusion applies whether you are driving to an event, parked and serving food, or involved in an accident en route. Commercial food truck insurance must be purchased separately.