Food truck insurance in Alabama, Georgia, and Tennessee from $250/month. Commercial auto, general liability, equipment coverage. We shop 50+ carriers for mobile food vendors, catering trucks, and food trailers.
Food truck owners in Alabama, Georgia, and Tennessee need specialized insurance that travels with them. Unlike a traditional restaurant, your business is on wheels, which introduces a host of unique risks. A standard commercial auto policy won't cover the expensive cooking equipment inside your truck, and a personal auto policy offers no liability protection for your business operations. That's where TCDS Insurance Agency comes in. We work with over 50 carriers to build a custom policy that protects your mobile food venture, with packages starting as low as $250 per month.
The foundation of your policy is Commercial Auto insurance, which covers your truck for liability and physical damage. Next is General Liability, which protects you if a customer gets sick from your food or is injured near your truck. Crucially, you also need Inland Marine or Contents Coverage for your cooking equipment, whether it's built-in or portable. Many cities and event organizers will require you to provide proof of insurance before they issue a permit, so having the right coverage is essential for operating legally.
Don't let an unexpected accident put the brakes on your business. TCDS Insurance Agency, a trusted, Alabama-based independent agency, can help you get the right protection at the right price. We serve food trucks across Alabama, Georgia, and Tennessee. Contact us today for a free, comprehensive quote!
The average cost for food truck insurance is between $3,000 and $8,000 per year. A basic policy with just liability and commercial auto might be around $2,000-$3,000, while a fully-equipped truck with employees and higher sales could pay over $7,000. Your specific cost depends on your vehicle, driving record, coverage limits, and operations.
Commercial Auto insurance is legally mandatory in all states to operate your vehicle on public roads. Workers' Compensation is required if you have a certain number of employees (5 in Alabama and Tennessee, 3 in Georgia). While General Liability isn't typically required by state law, it is almost universally required by event organizers, commissary kitchens, and city permit offices.
Food truck insurance combines elements of commercial auto, property, and restaurant insurance. The biggest difference is the mandatory commercial auto policy, as your entire business is mobile. It also requires Inland Marine coverage to protect equipment while in transit, which is not a standard coverage for brick-and-mortar restaurants.
Yes, virtually every city and county in Alabama, Georgia, and Tennessee will require you to provide proof of General Liability insurance and Commercial Auto insurance before they will issue a health permit or mobile food vendor permit. Minimum liability limits of $1,000,000 are common.
No, a personal auto policy will not cover a vehicle used for business purposes. You must have a Commercial Auto policy. If you have an accident while operating your food truck with only personal insurance, your claim will be denied, and you could be personally liable for all damages.
Inland Marine insurance is a type of property coverage that protects your business equipment while it is in transit or away from your primary business location. For a food truck, this is essential as it covers your expensive cooking equipment, refrigerators, and generators from theft or damage while you are on the road or at an event.