CGL Insurance for Food Trucks in California — Get a Fast Quote

Why Food Trucks Need General Liability Insurance

Food trucks have more complex insurance needs than their compact size might suggest. General liability covers customer injury and foodborne illness claims. Commercial auto covers the vehicle itself. Event organizers require proof of both for permit access. If you operate from a commissary kitchen, the commissary may require additional insured status on your policy.

Most food truck events, farmers markets, and private venue contracts require vendors to show proof of general liability insurance before setting up. Cities that issue mobile food facility permits in California require proof of insurance as part of the application.

Common Liability Risks for Food Trucks

• Customer injury near the food truck (burns, slips, equipment hazards)
• Foodborne illness from food sold
• Property damage during truck setup or operation
• Generator or propane incidents causing property damage

What a CGL Policy Typically Covers

What May Require Additional Coverage

• Commercial auto for the food truck vehicle
• Commercial property for equipment inside the truck
• Liquor liability if serving alcohol

Cost Factors for Food Trucks Liability Insurance

The typical monthly cost for general liability insurance for food trucks in California runs $45–$130/month. Several factors determine where in that range your policy falls:

• →Annual revenue
• →Types of events operated at
• →Whether alcohol is served
• →Claims history