Protect your mobile food business and meet Virginia's legal requirements

Your mobile food business brings flavor and flair to Virginia'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:

Virginia's required coverages
The most recommended protections
How to save money on food truck insurance
How to compare fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you're busy serving something amazing!)

Mobile food services in Virginia face industry-specific risks that require customized insurance coverage.
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.
Food truck property insurance helps you replace or repair damaged cooking equipment, inventory and signage.
Workers’ compensation for food truck employees is required by Virginia if you have two or more employees.
Commercial auto is required by Virginia and helps pay for damages or injuries caused by your food truck when it's on the road.
Inland marine insurance covers mobile equipment and tools that aren't attached to your food truck.
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.

FIVE BEST INSURANCE COVERAGES FOR MOBILE FOOD SERVICES IN VIRGINIA:

Here are five essential coverages every food truck operator should consider to stay protected and profitable:

1. Business Owner’s Policy for food trucks

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:

A passerby slips on a spilled Italian ice outside your truck
A hot sauce mishap ruins a customer's designer purse
A competitor accuses you of copying their logo or slogan

FOOD TRUCK PROPERTY INSURANCE Covers kitchen equipment, signage and inventory if disasters like fire, theft or vandalism strike. Examples:

A grease fire damages your cooking station
A break-in results in stolen appliances or ingredients
A storm damages your awning and generator

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.

Ready to get your free quote now to see what you can save on these and other coverages you may need? CLICK HERE

2. Workers' compensation for food truck employees (required in Virginia)

If you have two or more employees, Virginia requires workers' compensation. It covers medical care and lost wages for your team members injured on the job – and shields you from most employee lawsuits. Examples:

A cook slips on a wet floor and fractures a wrist
A team member suffers heat exhaustion during summer service
An employee strains their back lifting heavy supplies

3. Commercial auto insurance for mobile food services (required in Virginia)

If you drive your food truck to events, Michigan requires you to cover it with commercial auto insurance.

Helps pay for damages or injuries your food truck causes to others or their property on the road
Can also pay for damages to your own truck (optional)

4. Inland marine for food truck vendors

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.

Examples: Generators, prep tables, fryers, specialized gear, unattached signage

5. Commercial umbrella insurance for food truck

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.

THE BEST INSURANCE FOR MOBILE FOOD SERVICE OWNERS IN VIRGINIA

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 Virginia– at no cost to you.

In minutes, Mylo will:

Recommend the right coverage for your Virginia company
Compare quotes from top-rated insurance carriers
Find you the best combination of coverage and price
Keep you feeling confident about growing your business!

Get My Quote

The right coverage for you? Surprisingly simple.

Ready to untangle another tricky topic?

Protect what matters: your business

Why business insurance? That’s easy – it’s designed to keep you in business. When certain losses come along, you can dodge bankruptcy and stay on top of your game.

Who pays for employee car accidents?

When employees get into accidents while driving their own cars at work, who pays? Learn about the tricky intersection between commercial and personal auto.

When should I shop for a BOP?

Good news: if you’re a BOP holder, you always get the “special” top tier of business insurance. You’re platinum, baby! Learn more benefits & options.