Food Truck Insurance in Florida

Food trucks are a fast-growing part of Jacksonville’s small business scene. Whether you run a mobile food business like a taco truck, ice cream van, or BBQ trailer, you need the same protection as a brick-and-mortar restaurant—plus commercial auto insurance and other specialized coverages unique to mobile vendors. Our Florida food truck insurance helps you stay protected while on the road and at events.

Mobile Food Vendor & Custom Food Truck Insurance in Florida & Jacksonville

If you own a food truck business, you already have a lot to manage. Let us help with your insurance—whether it’s protection for your food truck or trailer, business personal property, or employees. Starting a new business or replacing your current insurance can be stressful, but we’ll help you find the right balance of price and protection.

Types of Food Trucks We Insure in Jacksonville and the Rest of Florida

• Mobile Food Trucks or Vans
• Mobile Food Box Trucks
• Mobile Food Trailers (pull-behind units)
• Lunch Trucks
• BBQ Food Trucks
• Vending Trucks
• Ice Cream Trucks
• Fruit Stands
• Delis
• Pizzerias
• Bakeries
• Smoothie and juice trailers
• Coffee or espresso carts
• Donut Shops

Commercial Auto Insurance for Your Food Truck in Florida

Any vehicle you use for business, like a food truck or trailer, must carry commercial auto insurance. In Florida, the state requires at minimum:

• $10,000 in Personal Injury Protection (PIP)
• $10,000 in Property Damage Liability (PDL) — though we recommend higher coverage
• Bodily Injury Liability coverage in case you or your driver are at fault in an accident that injures someone

These are just minimums. You can—and often should—increase liability limits. We also recommend adding comprehensive and collision insurance to protect your truck from accidents, storms, theft, vandalism, and other disasters.

Liability Protection in Case of Accidents and Lawsuits

All businesses need general liability protection—including food trucks. This coverage helps if someone gets hurt or becomes ill from your food, or suffers burns or other injuries unrelated to a vehicle accident.

General liability insurance can also help cover legal defense costs in the event of a lawsuit. And for added protection, commercial umbrella insurance can kick in when your primary coverage limits are exceeded.

Additional Insurance Options for Florida Food Trucks

These coverage options are similar to what many restaurants carry and help protect your entire operation:

• Coverage for your truck or trailer, including permanently attached equipment (comp/collision)
• Business Personal Property – for cooking tools and equipment not permanently attached
• Food Spoilage
• Business Income – for loss of income due to a covered claim
• Employee Theft
• General Liability
• Auto Liability Coverage
• Liquor Liability (if you serve alcohol)
• Employment Practices Liability Insurance (EPLI)
• Workers Compensation
• Cyber Insurance and Cyber Threat Coverage

Frequently Asked Questions

Why do I need commercial auto insurance for my food truck?
It protects your business if you're in an accident while operating your business vehicle.

Why do I also need general liability in addition to auto liability?
Auto liability covers accidents involving your vehicle. General liability covers other risks—like foodborne illnesses or slip-and-fall injuries near your truck.

Why should I add physical damage coverage to my auto policy?
Physical damage coverage (comprehensive and collision) pays to repair or replace your truck if it’s damaged. It’s especially important if your truck is leased or financed. Items permanently attached to the truck are included under this coverage. For items like cookware or food inventory, you’ll need separate business personal property coverage.

Our Independent Agents Can Tailor Coverage to Your Needs

At Augustyniak Insurance, we understand that your food truck is one of a kind. As an independent agency, we can offer more commercial insurance options than many big-name companies—working with both top-rated and lesser-known carriers.

We’re big enough to provide you with competitive choices, yet small enough to give you the personal service you deserve. When you work with us, you’re not just a number—you’re a valued business owner in our community.

Ready to get a quote for food truck insurance in Jacksonville or anywhere in Florida? Call our local team at 904-268-3106 or start your quote online now—we’ll help you get the protection your mobile food business needs.

We Also Insure Restaurants and Cafés

Whether you’re running a food truck or a full-service restaurant, our team can get the protection your Jacksonville-based food truck or Florida mobile food business needs.

We proudly serve food truck owners across Jacksonville, St. Augustine, Orlando, Tampa, and all of Florida.

Get a Free Food Truck Insurance Quote