Food Truck Insurance
A food truck is a kitchen, a shopfront and a vehicle rolled into one, and every one of those carries its own risk.
We arrange food truck insurance that covers the vehicle, the cooking equipment inside it and the liability that comes with serving the public.
One specialist broker who understands mobile catering, not a call centre reading a script.
Cover for the Truck, the Kitchen and the Customers
A food truck earns at markets, events and roadsides, cooking with gas and power in a moving vehicle full of the public.
That mix of driving, cooking and serving is why a standard vehicle policy leaves big gaps in cover.
We structure cover that protects the van, the fit-out and your liability, so one incident does not shut down the business.
Food Truck Insurance is one of the vehicles we cover under our Commercial Vehicle Insurance.
“A food truck's biggest risks are the cooking gear inside and the public standing at the window.”
What Food Truck Insurance Typically Covers
Cover is tailored to your setup and where you trade, and generally includes the following.
- Accidental damage, collision and fire to the vehicle
- Theft and attempted theft of the truck and its contents
- Cooking equipment, fryers, grills, fridges and the fit-out
- Gas and electrical installation damage, where arranged
- Public liability for a customer injured at the window or in a queue
- Product liability if food you serve makes someone unwell
- Spoilage of stock after a fridge or freezer breakdown, where arranged
- Cover while trading at markets, events and multiple sites
Cover varies by insurer and how you operate. We confirm exactly what is and isn’t included before you rely on it.
The Risks a Food Truck Faces
A mobile kitchen carries exposures a normal van never does.
Fire From Cooking Equipment
Fryers, grills and gas bottles in a confined space make fire one of the most serious food truck risks, to the truck and to people nearby.
Public and Product Liability
Serving food to the public means a slip, a burn or a case of food poisoning can turn into a real liability claim.
Stock Spoilage and Downtime
A fridge failure can spoil a day's stock, and a truck off the road misses the market it was booked for.
Cover Types That Work With Food Truck Insurance
Most mobile caterers arrange one or two of these alongside the vehicle cover.
Get Food Truck Insurance Sorted Properly
Talk to a specialist transport and plant broker who knows what your asset is worth and how it works.
Call 1300 78 78 25Other Vehicles & Equipment We Cover
Most operators run more than one type of asset. These are the ones most often insured alongside it.
Get a Food Truck Insurance Quote
Tell us about your asset and how you use it. We’ll arrange cover that fits and respond within 1 business day.
Call us1300 78 78 25Food Truck Insurance: Frequently Asked Questions
It can, and for a food truck it is essential. You serve the public in tight spaces, so public liability for an injured customer is usually arranged alongside the vehicle cover. We make sure the limit suits the events you trade at.
Yes. The fryers, grills, fridges, benches and fit-out are what make the truck earn, so they are scheduled and covered for damage and theft, not just the cab and chassis.
That is product liability, and it can be arranged so a claim that your food made someone unwell does not come straight out of your pocket. We confirm it is in place before you rely on it.
Yes. We arrange cover that follows the truck to the markets, festivals and event sites where you actually trade, including while it is set up and serving.
Yes. If you run several trucks or a mobile catering fleet, a fleet policy brings them under one renewal with a shared claims history.
Compliance Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before making any decision.