What insurance is required for a food truck in Maine?

The average Maine food truck insurance rates are $67 per month. A food truck business owner's policy typically includes general liability and property insurance.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Food trucks in Maine are held to the same standards as traditional dining establishments
  • You will need insurance for your truck and your business in Maine
  • Insurance options will help you get the best deal possible
  • The average Maine food truck insurance rates are $67/mo

There are several steps you’ll need to take when you are starting your food truck. If you want to start your food truck in the right way, you’ll need to be sure you have a business plan in place.

The business plan you have for your food truck should include:

  • How you’ll keep track of safety procedures
  • What insurance coverage you’ll need
  • The steps you can use to profit from your food truck
  • Specific equipment you can use

Compare car insurance quotes right away to find the best rate for the coverage you need. Enter your zip code into our free comparison tool above to get started.

Food Truck Safety Procedures

AdobeStock_55161234-1600x1600

Maine has precise guidelines for food service companies. You will have to have someone who is well-versed in food safety if you plan to run your truck.

Since Maine requires permits for food trucks, you will need to be prepared to take food safety classes so you can get the permit.

While Portland may have different guidelines for your food truck, most of the other areas in Maine follow the state rules only.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Making Money and Using Insurance

There are different ways that food truck owners make money. You will need to use your business plan to determine how you are going to make a profit.

Consider all the costs of your business and what you plan to sell. This is where you will list all the specifics of your business.

All businesses in Maine need to have certain levels of insurance. Since you are a food truck owner, you will need to cover your business in several different ways.

From your employee insurance to auto insurance and even your business insurance, these policies will all save you money in case there is a catastrophic event. Comparison shopping will be the best way for you to get the best policy possible.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Insurance for Food Truck

Insurance policies are in place to protect you. They can help you financially with everything from an auto accident to a natural disaster and even an employee getting hurt. If you have a food truck, you will need to be sure you have every aspect of your business insured.

Commercial Vehicle Insurance

A commercial vehicle insurance policy protects your food truck while it is on the road. Since your business depends heavily on driving and parking in areas that are roads, you need to insure it.

Maine has limits that include up to one million dollars in damage you’ll need to satisfy to stay within insurance compliance.

There are several different coverage options you can choose from for your food truck business in Maine.

You will need to have your commercial vehicle insured with the 50,000 dollar minimum required, but you should also consider insurance for other reasons. Comprehensive, PIP, and hired auto insurance will all help you stay protected from issues with your food truck.

Hired

Hired auto insurance is what will protect you from any issues with employees driving. Those who do not have employees with their food truck need not get hired auto insurance.

Comprehensive and Collision

AdobeStock_56111346-1600x1600

Comprehensive coverage protects you if something happens to your vehicle that doesn’t involve someone else or your vehicle overturning. The coverage includes the following events: natural disasters, flooding, animal damage,

  • natural disasters
  • flooding
  • animal damage
  • fire
  • theft

Some people choose to decline this coverage while they’re shopping for insurance, but then regret it the first time their windshield is hit by a rock.

If you want the bare minimum in commercial vehicle insurance, collision is what you will need. Maine also requires you to carry insurance for non-insured drivers and PIP which will pay for medical bills. This is a liability-only policy.

Business Coverage for Food Trucks

AdobeStock_78230635-1600x1600

Not only does Maine have requirements you must meet to have a business in the state but they also have recommendations for which type of coverage will be the best for your business.

If your food truck business is responsible for causing harm to another person or property, you are at fault.

The general liability policy you carry on your business will protect you and can help you stay safe in the event there is a lawsuit for damage you have caused through the business.

Auto insurance is important but it is also important to insure the items that are inside of your food truck. This can include food, expensive equipment, and materials you would normally use.

Consider getting coverage for loss of earnings when you are looking for food truck insurance. Maine is one of the states that allows business owners to include this on their insurance policies.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Insure Your Employees

If something happens to someone who is working for you, you’ll be responsible unless you have insurance coverage for the employees.

Maine has guidelines you must meet for worker’s compensation. These guidelines are similar to the federal ones, but they provide more clarification for coverage. In general, worker’s compensation will help:

  • If an employee is hurt working for you.
  • If an employee receives mental damage as a result of work.
  • If an employee requires medical treatment for any damage sustained on the job.

Umbrella coverage is important because it provides coverage for everything in your business. It does not just protect you from employees but also from other issues that could be deemed your fault with the business.

Insurance Bundles

adobestock_117541441-1600x1600

When you’re comparison shopping, consider how you can bundle your policy. This will help you have a better understanding of the way the insurance policies work. It can also give you some benefits that you would not get if you choose to buy each policy separately.

Saving money, simplifying your costs and using one insurance agent for every policy are just a few of the positive aspects of bundling.

Having too much coverage, not getting the best insurance agent and not being able to pay separately are some of the downsides to bundling your policy.

Saving money with insurance is easy when you know to shop around for the best coverage. Maine food truck insurance is not complicated so you can always be sure you are getting the best deal possible.

When you talk with different insurance agents, you will begin to have an idea of how you can save money on insurance policies.

Compare several car insurance quotes at once right here by entering your zip code into our free rate tool below.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State