What is the cheapest food truck insurance available? FLIP offers the cheapest food truck general liability insurance in the US at $25.92 per month. This is GL-only and does not include commercial auto or equipment coverage. ERGO NEXT offers the cheapest comprehensive BOP at $112 per month, which is the best budget starting point for operators who need bundled commercial food truck insurance.
Do I need separate insurance for my food trailer? Yes, with caveats. When your trailer is attached to and being towed by your commercial vehicle, it falls under your commercial auto policy. When the trailer is detached and operating at an event, you need an endorsement specifically covering the trailer’s GL exposure. FLIP’s food trailer endorsement ($12.50/month) is the most affordable option currently available.