4. Workers’ Compensation (Required With Employees in Most States)
If you have one employee working on your truck — even part-time, even a family member — most US states require workers’ compensation insurance. It covers their medical expenses, lost wages, and rehabilitation costs if they are injured on the job. It also protects you from personal lawsuits over workplace injuries.
Workers’ comp for commercial food truck insurance averages $43 to $78 per month depending on your state and employee count. ERGO NEXT offers the cheapest entry point at $43 per month; Insureon’s food truck data puts the average at $78 per month.