The property portion of a BOP covers your removable equipment, inventory, and supplies — the stuff that falls out if you flip the truck upside down. Business interruption coverage pays your lost income if a covered event forces you to stop operating: a kitchen fire, a burst generator, a vehicle collision that puts you off the road for three weeks.
Average BOP cost for commercial food truck insurance runs $85 to $207 per month. ERGO NEXT currently offers the most affordable BOP for food truck operators at $112 per month, a 46% reduction from the $207 industry average per MoneyGeek (2026).