What insurance is required for a food truck in Kentucky?

Food truck insurance in Kentucky usually consists of an owner's policy that includes general liability coverage and property insurance. Compare quotes online and save money.

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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...

  • Driving and operating a food truck in Kentucky can be profitable, but it also has risks that must be addressed with the purchase of different types of insurance
  • Between business and auto insurance products, you may have to pay for several insurance premiums out of your food truck revenue, and the cost of these premiums should be included in your operating numbers
  • Some Kentucky food truck owners are able to decrease overhead by taking advantage of a bundled policies discount

With the beautiful weather conditions and scenic beauty that Kentucky is known for, food trucks are increasingly popular with local residents.

If you have been thinking about taking advantage of the popularity of food trucks in this state by running your own food truck business, you should begin by creating a business plan.

Before launching any type of business, it is imperative to create a detailed business plan that outlines the following:

  • potential income
  • menu options for your food truck
  • possible risks
  • expenses

Kentucky food truck operators must obtain a minimum amount of commercial auto insurance per state law, and there are also business and employee insurance products that are needed or beneficial.

You will need to analyze the benefits and requirements for different types of food truck insurance, and you will also need to compare rates for premiums in order to create a detailed financial plan or budget for your business.

The primary goal associated with operating a Kentucky food truck may be to turn a great profit, and you will need to keep expenses as well as exposure to risk to a minimum in order to accomplish this goal.

Bundling your various types of food truck insurance together may help you to save money while also addressing the many risks you could face through the operation of your business.

Compare car insurance rates using our free rate tool above to see which provider offers the best rates for your situation.

Coverage Available for Food Trucks in Kentucky


Kentucky requires those who own commercial vehicles to buy a minimum amount of auto liability insurance, and businesses, in general, must also be properly insured per state law.

It is important that you understand the insurance requirements for your food truck business and that you understand how some optional coverage types may benefit your business as well.

Commercial Auto Insurance

All Kentucky drivers are financially responsible for any expenses they create while driving a car, and this includes commercial drivers.

Your food truck may not need to be insured per the state’s auto liability requirements for personal-use vehicles, but there are commercial-use requirements that must be met at all times. 

Commercial liability insurance only pays for the expenses you create for others while you are driving your food truck, and you will need to purchase other types of insurance if you want benefits that pay for your own accident-related expenses.

Hired and Non-Owned Auto Insurance

Commercial liability insurance for food trucks is necessary if you own or finance your food truck, but if you rent the truck, you may need to buy hired or non-owned auto coverage.

This is special insurance that complies with commercial requirements, and it is intended for those who rent their commercial vehicle.

Collision Coverage

Kentucky does not have a state legal requirement for comprehensive or collision insurance, but you may need to buy one of these two types of auto insurance for your food truck if your auto lender requires it.

Whether you need to buy it or you simply want to take advantage of the benefits, collision insurance provides benefits for your own vehicle’s repair or replacement costs if you have a collision-type accident only.

Comprehensive Coverage

There are instances when a food truck in Kentucky may be damaged experience other losses beyond collision-type accidents. For example, the truck could receive damage from the following:

  • being stolen
  • being vandalized
  • being damaged from a severe storm.

Comprehensive insurance pays for damages or for a full replacement if your food truck is affected by a wide range of events.

General Liability


A food truck needs to comply with Kentucky’s commercial auto insurance requirements, but it also needs to comply with general business insurance requirements.

Local businesses of all types need to have a general liability policy. This type of insurance pays for general events that the business may be affected by rather than the moving vehicle.

You may increase your liability insurance above the minimum amount required by law in Kentucky to enjoy greater benefits.

Property Insurance

Personal property insurance can be added to your Kentucky commercial auto policy.

Personal property insurance is usually an optional type of insurance, and it pays for the replacement or repairs of items inside the truck, such as all of your kitchen appliances and cooking equipment.

While personal property insurance is a type of coverage that pertains to most food truck operators, some food truck owners may also need or want to buy real estate property insurance.

If you own developed land where you run your food truck business from and if this land has improvements, such as a picnic table seating area for your customers, you can insure the improvements.

The value of the land usually cannot be insured because the land itself may not be damaged or lose value in relation to damaging events.

Workers’ Compensation


Kentucky business owners who hire employees should analyze and comply with the state’s workers’ compensation insurance requirements. Workers’ compensation insurance is a legal requirement in

Kentucky if your business has employees, and it is designed to pay for the expenses associated with a workplace injury, such as medical expenses and lost wages if a worker is injured on the job.

Umbrella Policy

Some Kentucky food truck owners prefer to buy an umbrella insurance policy. Umbrella insurance pays for your employee insurance expenses, and it also has more comprehensive benefits that can be advantageous for your food truck business.

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Bundling Your Kentucky Food Truck Insurance


Now that you are aware of the types of insurance that are required by the state or by your auto lender for a food truck business, you can determine the minimum premium amounts you need to pay for.

You can also examine the benefits associated with optional coverage types against their premium costs to determine if they are worth paying for. 

As you shop around to request quotes from leading Kentucky insurance providers, remember that some providers offer a bundled insurance policies discount.

Bundling your insurance policies for food truck insurance can help you to save money, and this may be the ideal way for you to purchase your coverage.

However, in some cases, it may be more affordable for you to buy food truck insurance products individually. For example, the individual rates may be more affordable than the cost of insurance if you bundle the coverage together.

Compare auto insurance rates for free today by entering your zip code into our free comparison tool below.

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