What insurance is required for a food truck in Delaware?

Commercial car insurance and business insurance are both required for your Delaware food truck. Save up to 25% on your monthly rates by bundling your coverage.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • You may be eager to launch your Delaware food truck business, but it is critical that you develop a detailed business plan before you make any firm decisions
  • To develop a Delaware business plan, you need to research and create a list of expenses that your business may incur on a regular basis, including insurance expenses
  • Many Delaware small business owners who are concerned about their exposure to risk in different ways would benefit by purchasing the legally required types of insurance as well as a few optional coverage types

Delaware is a beautiful state to drive your food truck around in, and many local residents love to enjoy quick and delicious meals from a wide range of food trucks.

If you are thinking about starting your own food truck business in this state, you may have already tackled the difficult step of creating and refining your menu and recipes. Now, it is time to analyze the financial components of your business plan. for your food truck project.

A Delaware food truck must comply with the state’s licensing and insurance laws just as any other commercial business does. Insurance requirements a food truck in this state, however, are unique because of the mobile nature of this business.

After all, while there are liability and workers’ compensation issues to deal with, you may also be involved in an automotive accident in your food truck.

Food truck owners in Delaware need to brainstorm all of the possible risks you face before you buy coverage.

The state and your truck lender have unique insurance requirements that you need to meet, but you may decide to buy optional coverage as well so that you can enjoy the full benefits that a great insurance policy can provide.

Before you can add these expenses into your business plan, you need to shop around to find an exceptional rate for your insurance needs. By reviewing the coverage options that you may benefit your Delaware food truck business, you can shop more effectively.

Enter your zip code into our car insurance comparison tool above to find the right coverage for your food truck.

Coverage Available for Food Trucks in Delaware

Your Delaware food truck and the business need to be properly insured from day one, so now is the ideal time to determine how much insurance you need and what the cost may be.

With many types of insurance required by food truck businesses in Delaware as well as with a few optional insurance types, you need to understand what your unique coverage options are.

Commercial Car Insurance

Delaware requires its drivers to obtain auto insurance, and this holds true for private-use and commercial-use vehicles. The primary component to a commercial auto insurance policy is liability coverage.

Auto liability insurance will pay for any expenses you incur as a result of an accident or another mishap you cause. Remember that your own expenses will not be paid for by a basic commercial liability insurance policy.

Hired and Non-Owned Car Insurance

A hired or non-owned auto insurance policy is well-suited for food truck operators who lease rather than own their truck. If you lease a food truck, you need to explore the benefits of this type of coverage as well as the potential legal requirements in some cases.

Collision Coverage

As the name suggests, collision insurance provides you with financial benefits if you are involved in a collision accident. Delaware does not require its drivers to buy collision insurance.

However, if you have an auto loan on your food truck currently, the lender may require this optional coverage.

Comprehensive Coverage

Comprehensive insurance pays for your own expenses associated with non-collision damages.

While collision insurance is effective for collision events, comprehensive insurance pays for expenses caused by the following:

  • theft
  • other criminal activities
  • bad weather conditions

General Liability

If you plan to run a business in Delaware, you need to understand the state’s general liability expenses. Through your daily operations, you may harm your customers or others in different ways.

General liability insurance is business coverage that can pay for any liability expenses that you may incur through daily efforts.

Property Insurance

Property insurance is not usually a requirement, but it can be beneficial in many situations. Personal property insurance is an option that you can add to your commercial auto coverage.

It pays for the replacement of any items that were damaged in the truck. A food truck in Delaware may be outfitted with many types of kitchen appliances and equipment, so this benefit may have excellent benefits.

Property insurance can also describe real estate coverage. Some food truck owners have purchased a lot for their food truck to sit on.

Land is not usually insurable, but real estate property insurance may offer benefits if your tables and chairs, lighting, or other fixtures and features are damaged or stolen.

Workers’ Compensation

Hiring an employee to work in your Delaware food truck is important if you want extra help or if you want any days off.

Employees may be injured on the job in numerous ways, and you can easily protect yourself from related loss by purchasing worker’s compensation insurance.

Exploring the requirements and rates for worker’s compensation insurance may help you to save money on your insurance coverage.

Umbrella Policy

Using an umbrella policy for your insurance needs in Delaware is another way to get the coverage you need. An umbrella policy may be associated with employee insurance, but it also offers many other benefits that can decrease your operational risk in different ways.

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Bundling Your Delaware Food Truck Insurance

If you are preparing to finalize your food truck business plan, you need to identify the coverage types that you want or need to buy, and you need to shop around with a few leading providers to identify the lowest cost available.

Many food truck owners discover that they qualify for a substantial discount when they bundle multiple insurance types through one provider.

However, bundling requires you to accept the rates of a single provider, and it may not let you take advantage of the benefit of getting affordable rates from different providers.

Buying food truck insurance in Delaware is not a process that you should rush through. You need to understand the benefits of each coverage type, and you need compare the benefits of optional insurance types against the cost to determine if they are cost-effective.

Use the Internet to compare rates for bundled and unbundled commercial insurance for your food truck business. Enter your zip code below to get started comparison shopping today.

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