Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Specialized coverage for food trucks, mobile vendors, and catering operations. We insure the unique combo of vehicle, kitchen, and food service that makes your business work.
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The reality
Commercial auto. General liability. Equipment coverage. Product liability. Most brokers try to piece together separate policies that don't talk to each other. You need coverage designed for mobile food operations—not a Frankenstein of unrelated policies.
The festival says you need a COI by Friday. Your brewery client needs additional insured status by tomorrow. You can't wait three weeks for your broker to call back. You need someone who understands food truck timelines.
Grease fires. Propane leaks. Generator failures. Your truck is your entire business—when it's down, your income stops. You need equipment breakdown coverage that gets you back on the road, not stuck waiting for claims to process.
"We've placed hundreds of food trucks. We know which carriers understand mobile operations—and which ones will nickel-and-dime you when you file a claim."
From the road to the serving window, we've got you covered.
Covers your truck while driving between locations and events
Protection for customer injuries and property damage at serving locations
Covers foodborne illness claims and contamination incidents
Protects fryers, grills, refrigeration, and cooking equipment
Coverage for burns, cuts, and injuries to your crew
Income protection when your truck is down for repairs
Specialized coverage for every type of mobile vendor
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Food Truck insurance is a commercial insurance program built around the risks of a food truck business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Commercial Auto, Property, Workers Comp. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe third-party injuries, property damage, employees, vehicles, equipment, professional services, and contractual requirements. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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