What insurance is required for a food truck in Florida?

You'll need commercial car insurance as well as a business policy for your Florida 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...

  • Commercial or business auto policies will provide coverage for your Florida food truck on the road
  • You will need business liability insurance to protect your food truck business in case of lawsuits over food or service
  • Most Florida cities require certificates of insurance to grant food truck licenses
  • You could bundle business auto, property, liability, and Workers Compensation insurance for your food truck

A food truck could help you showcase your unique culinary talent. Launching a successful food truck takes a lot more than putting a kitchen on wheels.

But before you start to serve, you’ll need an in-depth business plan, including projections that cover optimistic, average, and low sales.

Your food truck business plan needs to include your menu with pricing, market research for your area of Florida, and the investment you can put into the truck. Make sure to use our free quote tool above to compare rates today!

In addition to the truck itself, safety and culinary equipment can cost up to $50,000 according to food truck entrepreneurs. Marketing, legal advice, and business insurance could cost an additional $50,000.

What equipment will I need to purchase?

A Florida food truck can be a towed trailer, or a mobile truck or van with cooking equipment. Florida regulations even state you can use a boat, as long as it meets state health requirements.

You will need to have equipment for safe storage and dispensing of hot or cold foods that you prepare in a commercial kitchen or commissary.

If you don’t use a commissary, you will need to outfit the truck with safe storage, cooking, and water and wastewater disposal equipment. Florida requires a self-sufficient food truck to have:

  • A three-compartment sink
  • A handwash sink
  • Adequate refrigeration and storage
  • Power utility hookups or a portable generator
  • Appropriate water and wastewater tanks, disposal locations and procedures

What are the licensing requirements for Florida food trucks?

Florida’s Department of Business & Professional Regulation provides plan reviews at no cost and issues an MFDV (Mobile Food Dispensing Vehicle License) for food trucks after you complete the application and submit a $50 application fee.

The MFDV license fee in Florida is $347 for one year. The cut-off date to apply for and pay the annual license fee varies depending on which district and county will be the home base for your food truck.

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Insurance Requirements For Florida Food Trucks

You will need a business policy and commercial vehicle insurance for your food truck in Florida.

Food Truckr’s industry advisors say you should get vehicle insurance for your truck as soon as you buy it, even if you’re months away from starting to sell and serve food.

Commercial Vehicle Insurance

You will need a separate commercial vehicle insurance policy to cover work-related driving, including the truck.

Commercial auto insurance will pay for liability insurance for property damage, bodily injury, and legal costs.

It will also cover physical damage to your food truck caused by a collision, vandalism, theft, or weather damage. Commercial auto policies also include uninsured or underinsured motorist coverage.

How much commercial car insurance do I need?

Your commercial auto policy should cover the food truck’s operations and anticipated costs of replacing the vehicle, legal defense, and additional business liability.

Florida requires you to purchase the state’s minimum auto insurance coverage for your truck and any other cars you operate in the course of running the food truck business.

Some Florida cities require a certificate of insurance along with the city’s application for a food truck license. St. Petersburg requires $300,000 in combined single limit automobile liability insurance.

Hired And Non-Owned Car Insurance

If you rent a trailer to transport supplies or food, or your employee drives her car to pick up fresh produce, your business policy won’t provide coverage unless you have a hired or non-owned provision of your policy.

The policy will be valid in case of an accident as long as you follow the insurance company’s instructions.

Insurance that covers employees driving for your food truck business pays costs in excess of, or in addition to the employee’s auto policy.

Collision Insurance Coverage

Collision insurance covers damage to your food truck in the unfortunate case of an accident.

Because the food truck has a much higher value and cost than the average auto, look for coverage limits that can cover all potential losses.

Collision insurance may not cover equipment inside the truck. Instead, business liability insurance could replace the equipment.

Comprehensive Coverage For Your Food Truck

Comprehensive coverage will pay for damage from theft, fire, or other non-driving causes.

If your food truck is parked and vandals damage it, the comprehensive portion of your commercial or business auto policy will pay for repairs over the deductible amount.

What other insurance do I need for my food truck in Florida?

You are operating a business on wheels. You need commercial vehicle insurance and also business liability insurance.

Business Liability Insurance

General business liability insurance will be tailored to your business, which includes serving food to the public. Liability insurance provides coverage for any claims against your food truck by customers or others.

Property Insurance

You will want to make sure your property insurance covers the equipment you use in the food truck.

Many commercial auto policies won’t cover damage to cooking supplies, equipment, or other necessary items like generators.

Property insurance will provide coverage for smoke damage, theft, vandalism, or a fire.

Employee Insurance

All employers in Florida must buy Workers Compensation insurance. This insurance pays for costs related to any injuries your employees may suffer while working for your food truck.

Florida’s Insurance Commissioner determines rates and regulations for Workers Compensation insurance premiums, payments, and coverage.

Umbrella Policy

You can investigate an umbrella insurance policy that will cover extreme situations that go beyond the limits of commercial auto, property, and liability insurance.

If you do catering work or take your truck to many different locations, an umbrella policy could add the insurance coverage you need.

Consider Bundling Insurance For Your Food Truck

Some insurance companies specialize in insurance packages or bundles for food trucks. You won’t necessarily save money by bundling different types of insurance together.

An insurance bundle designed for your Florida food truck could be cost-effective. Consider truck and equipment replacement costs, your assets, and how many employees you have before shopping for individual policies or bundled food truck insurance. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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