Best Food Truck Insurance Companies of 2025
Based on Investopedia’s research, Huckleberry stands out as the top insurance company for food trucks due to its high liability limits, comprehensive coverage options, and strong customer service record. Food truck owners typically require general liability insurance with product liability coverage to protect against foodborne illnesses, as well as commercial auto insurance to operate on public roads.
Our Top Picks
- Best Overall: Huckleberry
- Best for Food Trailers: Food Liability Insurance Program
- Best for Most Coverage Types: Geico
- Best for Short-Term Coverage: Thimble
- Best Digital Experience: Next Insurance
Why Trust Us
Investopedia has been helping readers find the best food truck insurance since 2023. Our unbiased reviews are based on thorough research into each insurance company, evaluating factors such as customer complaints, financial strength, coverage offerings, and digital features.
Best Overall: Huckleberry
Huckleberry offers the highest general liability coverage limits at $4 million, providing extensive protection for food truck businesses. The company also offers a broad range of coverages beyond general liability, including comprehensive auto coverage, food spoilage coverage, and business interruption coverage. Many of these protections can be bundled into Huckleberry’s business owner’s policy. Huckleberry receives fewer customer complaints than expected for its size, indicating smooth service and claims processing.
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However, Huckleberry has some limitations: claims cannot be filed online, and their coverage does not include an option for food trailers. Some customers have reported paying around $37 per month for workers’ compensation and about $42 per month for a business owner’s policy.
Other Notable Providers
- Best for Food Trailers: Food Liability Insurance Program (FLIP) offers a specific endorsement for food trailers, extending general liability coverage when the trailer is parked and not attached to a vehicle.
- Best for Most Coverage Types: Geico offers the most comprehensive range of coverage options, including food spoilage coverage, a food trailer endorsement, and business interruption coverage.
- Best for Short-Term Coverage: Thimble provides flexible, event-based insurance options, allowing customers to purchase liability coverage by the job, month, or year.
- Best Digital Experience: Next Insurance offers a top-rated mobile app and entirely online processes for quotes, applications, and claims, making it convenient for food truck owners to manage their insurance.
Our research evaluated 13 insurance companies across 29 criteria, including financial strength ratings from AM Best and complaint data from the National Association of Insurance Commissioners. The ranking categories included plan types (46%), coverage limits (16%), customer complaints (15%), digital features (13%), and financial strength (10%).
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