What insurance is required for a food truck in Kansas?

Food truck insurance in Kansas usually consists of an owner's policy that includes general liability coverage and property insurance. Consider an umbrella policy for your food truck 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...

  • Before you launch a new food truck business in Kansas, you need to understand all insurance requirements and optional insurance products available
  • There are many risks that you may face when running a food truck or when driving your truck around town, and the right combination of insurance coverage could reduce your exposure to financial loss if something bad happens
  • Because the cost of different food truck insurance policies will impact the bottom line of your Kansas-based business, you need to research costs before launching your business


Working in the food services industry in Kansas and being your own boss may be primary career goals, and to accomplish these goals, you may have your sights set on running a new food truck business.

Kansas food trucks are popular at food truck parks, outdoor festivals, and many other locations, and you may be eager to start turning a profit from your delicious recipes.

However, because running a Kansas food truck business is just like running any other type of business, you must spend time developing a business plan and researching licensing and insurance requirements.

Most food trucks in Kansas must comply with auto coverage laws for commercial vehicles as well as with business and employee-related insurance requirements.

In addition, you may prefer to buy optional coverage in some cases because of the tremendous benefits that it could provide to you. Compare rates with our free quote tool above! 

Bundling coverage is one option available to save money on insurance for your food truck business, but you should thoroughly shop around to identify the best rates possible on the coverage you desire or need.

Coverage Available for Food Trucks in Kansas

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When driving your food truck through Kansas, it could be involved in an accident or be damaged by weather, wildlife, and more. However, automotive risks are not the only risks that could impact your bottom line.

Everything from workplace injuries and customer liability issues to theft, vandalism, and more could also affect your business.

Learning about the many Kansas food truck insurance options available is necessary if you want to protect yourself against potential risk factors.

Commercial Auto Insurance

As is the case with most states, all vehicles on Kansas roads should comply with the state’s minimum liability insurance requirements, and commercial vehicles may be required to buy more coverage depending on the size, type, and use of the vehicle.

Liability insurance for your food truck pays for other people’s expenses when you cause them damage, but you will need to buy a Kansas collision or comprehensive auto policy if you want or need coverage for your own vehicle.

Kansas minimum auto insurance requirements include:

  • $25,000 for bodily injury liability coverage per person and $50,000 per accident
  • $10.000 per accident for property damage liability coverage
  • Personal injury protection insurance

Hired and Non-Owned Auto Insurance

A hired or non-owned auto policy for your food truck in Kansas is needed when you lease your food truck rather than when you buy it outright or with financing.

This is special financing that offers liability benefits to those who rent commercial vehicles used for business purposes. It may be used to decrease your exposure to liability while driving throughout Kansas.

Collision Coverage

Kansas food truck drivers are not required by law to buy collision auto insurance, but because this type of coverage pays for your own vehicle repairs if you are involved in a collision with your food truck, many food truck owners will benefit from buying it.

More than that, some auto or truck lenders may require it as a condition of your loan.

Comprehensive Coverage

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When you think about all of the risks and perils that could affect your Kansas food truck, you may be aware that collision insurance may not be sufficient to cover all loses.

Comprehensive insurance may be required by a food truck lender, but it is not legally required for drivers in this state.

Nonetheless, because it offers benefits if your truck is stolen or damaged from a wide range of factors, it may be highly beneficial.

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General Liability

While you may be exposed to auto liability issues if you are involved in a food truck accident, your business may be subject to other liability risks.

For example, one of your customers could eat tainted food that ultimately is your business’s fault, and you may have to pay legal bills and medical bills.

Liability insurance for your business is needed to cover you for these types of risks.

Property Insurance

Kansas food truck owners also need to think about property-related risks. For example, the personal property in your truck, such as your appliances, could be damaged or stolen.

Adding personal property insurance to your auto policy can provide you with the additional coverage you need for this type of expense.

In addition, you can also consider the need to buy real estate property coverage. Typically, this type of coverage is only applicable if you own land where you park your truck. The developments or improvements on this land could be insured to protect you against potential losses.

Workers’ Compensation

Both full-time and part-time workers could potentially be injured while working for you at any time.

Workers’ compensation insurance offers benefits that pay your injured employees for medical expenses, time away from work, and more.

This could prevent you from having to pay a tremendous amount of money out of your own funds.

Umbrella Policy

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Buying umbrella coverage for a Kansas food truck business is another option to consider.

While not required, umbrella coverage may provide you with the employee benefits your company needs. Most umbrella policies also offer business and property coverage as well.

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Bundling Your Kansas Food Truck Insurance

As you can see, there are many risks that you may face while driving your truck as well as while operating your Kansas-based business, and you need to set up the right insurance policies to protect you against financial loss associated with these risks.

Bundling your insurance coverage together with a single provider may qualify you for a bundled coverage discount through your insurance company.

However, bundling your business and auto policies together is not always the best way to save money on your food truck insurance. Be aware that some food truck owners purchase multiple policies from various providers to take advantage of low rates offered by each of them.

Comparison shopping with several reputable providers online is your best option when you need to keep insurance costs for your Kansas food truck business as low as possible. Compare rates now with our free quote tool below now! 

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