Your mobile food business brings flavor and flair to California's streets, festivals and neighborhoods. Unfortunately, one accident (from a grease fire to a foodborne illness claim) can put your whole business at risk. We believe in your company and want you to have affordable insurance that meets state requirements and protects your vehicle, equipment, team and income. This guide breaks down:
A Business Owner’s Policy for food trucks saves you money by bundling general liability, property insurance and product liability.
General liability insurance covers damages or injuries your business may cause, as well as claims related to your advertising.
Commercial umbrella insurance provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value.
Here are five essential coverages every food truck operator should consider to stay protected and profitable:
A Business Owner’s Policy (BOP) is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing mobile food businesses. Your BOP typically includes:
GENERAL LIABILITY FOR MOBILE FOOD COMPANIES Covers legal and medical costs if a customer or other visitor is injured – or their property is damaged – while they're at your truck. It also protects you from advertising-related claims. Examples:
FOOD TRUCK PROPERTY INSURANCE Covers kitchen equipment, signage and inventory if disasters like fire, theft or vandalism strike. Examples:
PRODUCT LIABILITY INSURANCE (also called food liability) Covers legal costs when your customers claim your food made them sick or caused an allergic reaction.
BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.
California requires private employers to carry workers’ comp if they have one or more employees. This valuable coverage pays for medical care and lost wages if staff are injured on the job and helps protect you from lawsuits. Examples:
If you drive your food truck to events, California requires you to cover it with commercial auto insurance.
FOOD TRUCK OPERATORS IN CALIFORNIA TYPICALLY PAY BETWEEN $65/mo-$400/mo FOR COMMERCIAL AUTO. GET A FREE QUOTE NOW.
Covers mobile equipment that isn't permanently attached to your truck while it's being transported to events on the road or mobile equipment stored temporarily outside of your truck, such as in a warehouse.
Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection if other key policies like general liability or commercial auto reach their limits, which helps you protect your company's financial assets.
Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and connected small business owners with 100,000+ top-rated policies. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in California – at no cost to you.
In minutes, Mylo will:
Your mobile food business brings flavor and flair to California's streets, festivals and neighborhoods. Unfortunately, one accident (from a grease fire to a foodborne illness claim) can put your whole business at risk. We believe in your company and want you to have affordable insurance that meets state requirements and protects your vehicle, equipment, team and income. This guide breaks down:
A Business Owner’s Policy for food trucks saves you money by bundling general liability, property insurance and product liability.
General liability insurance covers damages or injuries your business may cause, as well as claims related to your advertising.
Commercial umbrella insurance provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value.
Here are five essential coverages every food truck operator should consider to stay protected and profitable:
A Business Owner’s Policy (BOP) is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing mobile food businesses. Your BOP typically includes:
GENERAL LIABILITY FOR MOBILE FOOD COMPANIES Covers legal and medical costs if a customer or other visitor is injured – or their property is damaged – while they're at your truck. It also protects you from advertising-related claims. Examples:
FOOD TRUCK PROPERTY INSURANCE Covers kitchen equipment, signage and inventory if disasters like fire, theft or vandalism strike. Examples:
PRODUCT LIABILITY INSURANCE (also called food liability) Covers legal costs when your customers claim your food made them sick or caused an allergic reaction.
BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.
California requires private employers to carry workers’ comp if they have one or more employees. This valuable coverage pays for medical care and lost wages if staff are injured on the job and helps protect you from lawsuits. Examples:
If you drive your food truck to events, California requires you to cover it with commercial auto insurance.
FOOD TRUCK OPERATORS IN FLORIDA TYPICALLY PAY BETWEEN $65/mo-$400/mo FOR COMMERCIAL AUTO. GET A FREE QUOTE NOW.
Covers mobile equipment that isn't permanently attached to your truck while it's being transported to events on the road or mobile equipment stored temporarily outside of your truck, such as in a warehouse.
Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection if other key policies like general liability or commercial auto reach their limits, which helps you protect your company's financial assets.
Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and connected small business owners with 100,000+ top-rated policies. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Florida – at no cost to you.
In minutes, Mylo will: