Most states require a minimum of $300,000 in commercial auto liability. Food truck operators who finance their vehicles or carry built-in equipment worth more than $10,000 should carry $500,000 to $1,000,000. The average commercial auto policy for food service businesses costs $170 per month according to Insureon’s 2024 data, though Progressive Commercial frequently comes in below that benchmark.
One important distinction: commercial auto only covers permanently attached equipment. If your deep fryer is bolted to the truck floor, it is covered. Your removable prep tables, blenders, and point-of-sale tablets are not. Those fall under commercial property or BOP coverage.