What insurance is required for a food truck in Massachusetts?

Food truck insurance in Massachusetts typically consists of a business owner's policy that includes general liability and property insurance. Compare quotes online 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...

  • When operating a food truck business in Massachusetts, you may be required to buy some types of insurance, and you may benefit from purchasing optional insurance products as well
  • A Massachusetts food truck is a mobile business, so commercial auto insurance is required by the state’s laws
  • You may be able to buy all of the food truck insurance that you need through the same provider to save money with a bundled policies discount

The opportunity to turn your passion for cuisine into a fun business in Massachusetts may be too good to pass up on.

A food truck business is a wonderful way to meet your professional culinary dreams while also taking advantage of an increasingly popular trend in the local area.

However, running this type of business requires the same forethought and planning that is required with any other type of business.

Writing a business plan for your Massachusetts food truck business is a great starting point, and it will require you to think about all of the risks that you may face through the operations of your business.

Both required and optional insurance products can be purchased to prepare for many of these risks, but you will need to include the insurance premiums in your operating figures.

With this in mind, you must spend time carefully examining the many types of food truck insurance that are available for Massachusetts business owners, and you must ensure that the amount of insurance that you plan to purchase meets the legal requirements in this state.

Premium payments for multiple types of food truck insurance can get expensive, and you need to incorporate these figures into your financial projections to ensure that they are affordable.

Now is the time to learn about the various insurance products available and to begin shopping around for the best price on premium payments.

Compare car insurance quotes right here to find the provider that’s right for you. Enter your zip code into our free tool above to get started.

Coverage Available for Food Trucks in Massachusetts

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You may be eager to start preparing incredible food items for your Massachusetts area customers, but you must first think ahead about potential risks that you may face, such as car accidents or business liability issues.

The cost of such issues could potentially destroy your business if you are not properly insured, so you need to understand the insurance products available and choose healthy limits for each coverage type that you plan to purchase.

Commercial Auto Insurance

Massachusetts requires all commercial vehicles to be properly insured with at least a liability auto policy.

A commercial auto policy pays for the liability expense you could potentially face while driving your truck, such as the medical bills for other people if you cause an injury accident.

Keep in mind that the standard commercial auto policy required in this state does not cover your own vehicle repairs and related expenses, and you may need to add optional coverage to your policy to take advantage of these additional benefits.

Hired and Non-Owned Auto Insurance

While many Massachusetts food trucks will be owned and operated by the same person, some will be leased to the restaurant operator. If you fall into this latter group of food truck operators, you need to buy a policy for hired and non-owned auto insurance.

This type of coverage is suitable for leased vehicles used for commercial activities, and it offers liability auto benefits.

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Collision Coverage

Food trucks in Massachusetts are not legally required to buy collision auto insurance, but your food truck auto lender may have this requirement.

Even if it is not required, it is highly beneficial and should be carefully considered in combination with the required auto liability insurance. Collision protection pays for your own vehicle repairs if your food truck is damaged in a collision accident only.

Comprehensive Coverage

As beneficial as collision insurance can be for food truck operators, it is limiting in terms of the types of events it offers benefits for.

Comprehensive auto insurance for food trucks pays for damage that results from things other than collisions such as:

  • vandalism
  • theft
  • storm damage

Because it is more inclusive than collision insurance is, this may be a preferable type of insurance to buy in comparison to collision insurance.

General Liability

Massachusetts requires its businesses to buy general business liability insurance.

This type of liability insurance is not the same as commercial auto liability insurance because it provides benefits related to the operation of your business rather than driving a commercial vehicle around the state.

Your legal expenses related to a business liability issue will often be paid for by this type of insurance policy as well.

Property Insurance

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Massachusetts food trucks often own personal property in the form of kitchen appliances inside the truck, and these items are not covered by a typical collision or comprehensive insurance policy.

Personal property insurance can be purchased to provide benefits related to the damage or theft of these items. Some food truck owners in this state buy land to park their food truck on, and this land may have some developments on it.

Real estate property coverage could be purchased to cover these land improvements, such as a dining area for your guests, a parking area, and more.

Workers’ Compensation

If your business plan includes hiring employees to assist with the operational activities of your food truck, you need to understand the state’s requirements for workers’ compensation insurance.

This is usually a required type of insurance, and it may pay for expenses that your food truck business otherwise would be responsible for if an employee is injured at work, such as medical bills for their treatment.

Umbrella Policy

Some food truck owners choose to purchase umbrella insurance for their business. This is optional coverage that offers incredible employee benefits, but it also extends beyond that to provide your business with protection against many damaging or costly events.

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Bundling Your Massachusetts Food Truck Insurance

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As you shop around for your food truck insurance policies, you may discover that you can buy any or all policies from the same provider in some cases.

Bundling your insurance policies together is a great way to reduce your financial management stress as a food truck operator, and you may even qualify for a special discount related to bundling your coverage.

While bundling could be a smart idea, you need to carefully explore unbundled insurance options as well if you want to identify the lowest rates available for your business insurance needs.

Compare car insurance quotes right here to find the provider that’s right for you and your business. Enter your zip code below to get started.

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