What insurance is required for a food truck in Hawaii?

Food truck insurance in Hawaii starts at $105 per month. A business owner's policy typically includes general liability coverage and property insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

  • Launching a Hawaii food truck business should be done with care and only after you have carefully researched all of the costs, requirements, and regulations
  • Food truck insurance in Hawaii starts at $105 per month
  • There are some insurance requirements that food truck owners in Hawaii must meet, and insurance premiums can directly affect your bottom line
  • Researching the insurance requirements for food trucks in Hawaii and analyzing the impact of premiums on your bottom line can help you to determine how to run your food truck business

With Hawaii’s exceptional weather and fabulous views, it makes sense to open a food truck business that takes advantage of these beneficial factors. However, you should not rush hastily into launching a food truck business.

Just as you would carefully research the requirements, regulations, and costs associated with running any other type of business, you must make a concerted effort to research and plan for these points.

A food truck business is a unique business model because it establishes a business in a mobile vehicle.

Owners should be aware of the commercial auto insurance requirements in Hawaii as well as the many types of business insurance that may be required or beneficial in different ways.

Many food truck owners in Hawaii need to invest in multiple insurance products, and you may be able to save money on your premiums by taking advantage of a bundled policies discount.

Because the cost of insurance for a food truck can be so significant, you must research and plan for this expense before you launch your business.

Now is the ideal time for you to learn more about the many insurance products that you may need to buy to protect your truck and your business from losses.

Compare car insurance quotes to find the best auto coverage for your food truck. Enter your zip code into our free comparison tool above to get started.

Coverage Available for Food Trucks in Hawaii

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In Hawaii, businesses may be required by law to purchase at least some coverage for their business-use vehicles, and there are also business coverage requirements and options to comply with.

With a closer look at the insurance requirements and options available, you can make a more informed decision about how to run your business while also mitigating your exposure to many different risk factors.

Commercial Auto Insurance

Hawaii is one of the many states that has a liability auto insurance requirement for its drivers, and this requirement extends to a commercial-use vehicle.

If you are involved in a food truck collision, your commercial liability insurance policy pays for the expenses you create for other parties. Additional insurance is needed if you want coverage that pays for your own repairs and other related expenses.

Hired and Non-Owned Auto Insurance

Leasing a food truck to run your business out of is an option that some operators may be thinking about pursuing. While it may be cost-effective, you will still need to obtain insurance for your use of the food truck.

Buying hired and non-owned auto insurance can help you to comply with state auto regulations, and it can also mitigate your risk exposure if you rent a food truck.

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Collision Coverage

Collision insurance for a food truck will pay for the repair work or for a replacement of your own vehicle if it is damaged in a collision, but other damaging loss events are not covered by this type of auto insurance policy

Be aware that the state does not require you to buy collision insurance, but your auto lender may have this requirement as a term or condition of your vehicle loan.

Comprehensive Coverage

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Some food truck owners want to enjoy more coverage than a basic collision insurance policy provides. For example, you may want coverage that pays for damages if your food truck is damaged through any of the following:

  • criminal actions
  • severe weather
  • something else besides a collision

Comprehensive insurance for a food truck can provide you with these important benefits. While not legally required in Hawaii, some lenders may also have a loan requirement for comprehensive insurance.

General Liability

Running any business in Hawaii exposes you to a wide range of liability risks, and you must purchase general liability insurance for your business to address this possibility.

If you are sued, have to pay a customer’s medical bills, or have other similar types of expenses, general liability insurance for your business may provide you with much-needed financial benefits.

Property Insurance

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Hawaii food truck owners can also purchase real estate property insurance and personal property insurance. Personal property coverage is an option that you can add to your auto insurance policy.

It provides coverage for any items inside that may be damaged or stolen inside of your truck, such as your kitchen appliances and other related equipment.

Real estate property coverage may be needed or beneficial if you own the land where you keep your food truck. Land is not usually insurable, but the developed or site-built features may be covered by a property insurance policy, such as a developed seating or parking area.

Workers’ Compensation

Many food trucks in Hawaii are open for long hours each day, and you may need to hire staff to assist you with the daily operations.

Workers’ compensation insurance is required in many cases if you have employees, and it offers financial benefits to your employees if they are injured while at work. Benefits may be used to supplement lost wages related to recovery time, to pay for medical expenses, and more.

Umbrella Policy

Food truck operators may purchase an umbrella policy to enjoy employee-related insurance benefits, but keep in mind that an umbrella policy offers many other benefits that can save you money over time as well.

Buying an umbrella policy may be a convenient way to expand your coverage benefits.

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Bundling Your Hawaii Food Truck Insurance

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Bundling your food truck insurance essentially means that you are buying multiple coverage types for your business, your truck, and your employees from the same provider.

Providers may save money on administrative fees when you bundle your insurance policies together, and many insurance providers offer a discount to pass this savings onto you.

When you shop around to compare rates for different types of food truck insurance, you need to request quotes for both bundled and unbundled insurance.

The bundled policies discount could potentially save you a hefty sum of money, but some food truck owners discover that it is more affordable to buy separate policies from different insurance companies.

Comparing rate quotes for both options is the best way to identify the most affordable coverage solution for your Hawaii food truck. Enter your zip code below to begin comparison shopping today.

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