Food Truck Business Insurance Coverage Checklist
The coverages a food truck business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for food trucks and mobile kitchens. Priorities reflect typical exposure; confirm against propane systems and events.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Auto | Covers the truck on the road — personal auto policies exclude business use. | Core | |
| Commercial General Liability (incl. Products) | Covers customer injuries, foodborne illness, and propane-blast injuries to bystanders. | Core | |
| Inland Marine / Equipment | Covers cooking equipment, generators, and the kitchen build-out. | Core | |
| Additional Insured Endorsements | Event organizers and venues usually require them. | Prevalent | |
| Workers' Compensation | Required in most states; burns are the leading injury. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is propane in a crowd. In 2014, an overfilled cylinder on a Philadelphia food truck exploded, killing two people; claims settled for $160 million. Propane blasts injured food-truck workers in three states in 2024. Owners should have the system inspected yearly, never overfill, leak-test at every setup, install a gas detector, and confirm both auto and GL respond to an explosion.
Send us the checklist and we'll review your food truck business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Food Truck Business Insurance · Food Truck Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a food truck business business need?
The core coverages for a food truck business business are Commercial Auto, Commercial General Liability (incl. Products), Inland Marine / Equipment, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my food truck business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.