The US food truck industry generates over $1.2 billion in annual revenue (IBISWorld, 2025). Cities from Austin to Chicago now require proof of commercial food truck insurance before issuing operating permits. Skipping coverage is not just financially reckless — in most states, it is illegal.
7 Types of Commercial Food Truck Insurance You Need in 2026
1. Commercial Auto Insurance (Legally Required in Almost Every State)
Commercial auto is the non-negotiable foundation of commercial food truck insurance. It covers bodily injury and property damage you cause to others while driving your truck. It also covers physical damage to your own truck through collision and comprehensive endorsements.