What insurance is required for a food truck in Idaho?

Food truck insurance in Idaho usually consists of a business owner's policy that includes property insurance and general liability coverage. Consider an umbrella policy to save money.

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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...

  • Creating a detailed business plan for your Idaho food truck business is an important step to take before you begin preparing food for your customers on the first day of operation
  • Your Idaho food truck’s business plan should include detailed and carefully researched information about insurance requirements and costs
  • You may be able to reduce your total insurance premium cost by bundling your food truck coverage together with a single provider

Running a food truck business in beautiful Idaho can be a dream come true. It can enable you to be your own boss while earning income based on how smart and hard you work.

You understandably want to make smart business decisions when launching and running an Idaho food truck, and you also want to identify and mitigate risks as much as possible.

Expenses associated with complying with Idaho’s unique licensing and insurance requirements can affect the overall profitability of your business and must be factored into your financial calculations.

When you run a food service business in a mobile platform, such as with a food truck, you must understand and comply with Idaho’s auto insurance requirements for commercial vehicles.

You must also be aware of and comply with any insurance requirements related to running a restaurant business and having employees.

Understanding more about Idaho’s food truck insurance requirements and optional insurance types available can help you to be a more successful food truck owner. Use our FREE quote tool to find car insurance rates today!

Coverage Available for Food Trucks in Idaho


As a food truck owner and operator in Idaho, you may have big dreams of sharing delicious recipes with your local customers.

However, accidents and mishaps can occur, and these events can result in a significant financial loss for you.

Exploring insurance requirements and understanding more about the benefits of optional food truck insurance products is necessary before you finalize the preparation of a food truck business plan.

Commercial Auto Insurance

Because your food service business will be on wheels, you need to understand and comply with the state’s auto insurance requirements.

Just as Idaho requires its private-use drivers to buy a minimum amount of car insurance, commercial vehicle owners must also have this same type of coverage.

However, this minimum amount of auto insurance required in Idaho will not pay for all of your expenses if you are involved in an accident, and you may also need to purchase a few other types of auto insurance to enjoy maximum benefits.

Hired and Non-Owned Auto Insurance

If you intend to lease rather than buy a food truck for your Idaho-based business, you will need to examine the need for hired and non-owned auto insurance.

These requirements may be in place of the commercial auto liability requirement that you may need to comply with if you own your Idaho food truck.

Collision Coverage


For Idaho food truck owners that have an auto loan on your vehicle, your lender may require you to buy collision insurance.

This is not a state auto insurance requirement, but it offers substantial financial benefits that pay for a repair or for a complete replacement if your food truck is damaged in an auto collision.

Comprehensive Coverage

Likewise, some food truck lenders also require you to have comprehensive insurance until your loan balance is completely paid off.

While this is also not required by state law, it offers great benefits that include paying for your food truck’s repair work or for a full replacement if it is impacted by theft, vandalism, bad weather, and more.

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General Liability

To run a business in Idaho, you need to purchase a minimum level of general liability insurance. This type of insurance pays for your legal expenses as well as other people’s expenses if they are negatively affected by your business.

For example, if one of your customers is hurt while standing under your food truck awning, this type of business liability insurance will pay for related expenses.

Property Insurance

Buying property insurance for your Idaho food truck business may not seem necessary at first glance, but there are actually two unique property coverage types to consider.

  • Real estate property insurance is one option to consider if you own the land where you park your truck and if this land has any developments, such as a parking lot or an outdoor dining area
  • Personal property insurance is usually sold with auto insurance, and it pays for losses related to items inside your food truck, such as your grill or other kitchen equipment

Workers’ Compensation


Idaho business owners who hire employees may be required to purchase workers’ compensation insurance.

Workers’ compensation coverage offers financial benefits to your workers when they are injured at work.

For example, if your fry cook is severely burned while standing in your food truck, this type of employee insurance may pay for lost wages while he recovers as well as for his medical expenses.

Umbrella Policy

A final type of insurance to consider if you own a food truck is an umbrella policy.

With umbrella insurance for your Idaho food truck business, you will receive many employee insurance benefits as well as a full range of other benefits that can help your business in different ways.

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Bundling Your Idaho Food Truck Insurance


Shopping around for food truck insurance in Idaho is a necessary and beneficial step to take if you want to keep your overhead as low as possible.

While comparing rates with different providers can help you to identify the best insurance prices for the different types of coverage you intend or are required to buy, another way to potentially save money is by bundling your coverage.

To bundle your Idaho food truck coverage, you buy multiple insurance policies from the same provider, such as your business and auto coverage.

While many providers offer a bundled coverage discount that can save you a substantial amount of money, you may also need to explore affordable insurance rates for buying coverage independently from different providers.

When you take the time to explore all of these options thoroughly before launching your business, you can more easily find the best price for your food truck’s insurance. Use our FREE quote tool to find car insurance rates today!


  1. https://www.idaho.gov/
  2. https://www.allstate.com/auto-insurance/idaho-auto-insurance-coverages.aspx
  3. https://www.nationwide.com/commercial-auto-insurance.jsp
  4. https://www.statefarm.com/insurance/auto/coverage-options/comprehensive-coverage
  5. https://www.progressive.com/auto/discounts/bundling-insurance/

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