What insurance is required for a food truck in Mississippi?

Food truck insurance in Mississippi must meet the state's business insurance requirements and 25/50/25 car insurance minimums. Bundling policies may reduce the cost of food truck insurance in Mississippi.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Jul 22, 2021

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Here's what you need to know...

  • Because a Mississippi food truck is a mobile business, it must be properly insured per both business and auto laws in this state
  • If your Mississippi food truck business has employees, additional employee coverage may be required
  • Your business plan should be updated and should accurately reflect the premiums for all of the required and optional insurance products you need
  • Some Mississippi food truck owners will save money on coverage by bundling policies together

Have you been dreaming about being your own boss and running a food service business? Food trucks in Mississippi are popular with local residents, and they provide you with a cost-effective way to launch your new business.

Before you start any type of Mississippi business, you need to research state requirements for licensing and insurance.

Any expenses associated with complying with these requirements, such as the premiums for different types of required or beneficial insurance coverage on your Mississippi food truck, need to be added to your business plan.

When you run a Mississippi food truck, you may be surprised to learn that there are multiple required insurance products that you may need to buy as well as a few optional coverage types to consider.

This is because your food truck is a commercial vehicle, but it also is a food service business that serves patrons and likely hires employees. Understanding all of the local insurance options and learning about premium costs are important steps to take when launching a food truck business.

Your goal as a food truck entrepreneur in Mississippi is to keep overhead as low as possible so that you can profit fully from this endeavor.

Shopping around with several insurance providers may help you to save money, but you should also examine the benefits associated with bundling your auto insurance together. Compare rates today with our free quote tool above!

Coverage Available for Food Trucks in Mississippi

Running a Mississippi food truck business could be potentially lucrative, but it also has numerous risk factors that must be addressed.

Everything from passing food-borne illnesses to your customers to auto accidents and workplace injuries must be planned for, and buying different food truck insurance products is one of the best steps that you can take to plan for potential perils associated with your Mississippi food truck business.

Commercial Auto Insurance

Some food truck owners permanently park their truck on their own piece of land, and there is no intention to move the truck for years. Others, however, plan to move the truck periodically or even daily in some cases.

Commercial auto insurance requirements in Mississippi dictate that the latter option requires auto insurance coverage.

You must buy at least a liability insurance policy to comply with the commercial automotive insurance law in this state, and many food truck operators prefer to buy collision or comprehensive auto coverage for greater benefits.

Keep in mind that the state’s commercial requirements may be more expensive than the private use requirements, and they vary based on how you use the truck as well as what type of truck you drive.

The standard auto insurance requirement in Mississippi calls for at least $25,000 for bodily injury per person and $50,000 per accident. In addition, it also requires at least $25,000 per accident for property damage liability.

Hired and Non-Owned Auto Insurance

Renting a food truck may be a cost-effective alternative to buying or financing a truck, but even a leased truck must be properly insured if you plan to drive it on the local public roads.

With hired and non-owned coverage on your food truck, you can enjoy the benefits of liability insurance on a leased commercial vehicle.

Collision Coverage

As a Mississippi food truck owner, you should be aware that liability insurance does not pay for any of your own vehicle repairs if you are in an accident.

To enjoy this considerable benefit, you will need to buy an optional type of coverage known as collision insurance. Collision insurance for a Mississippi food truck is usually optional, but your financing company may require it in some cases.

Comprehensive Coverage


When a Mississippi food truck lender does not require collision insurance, comprehensive insurance may be required instead. However, this type of food truck insurance is not legally required.

Collision insurance only pays for expenses related to collision damage, but comprehensive insurance has a more robust list of perils and events that it provides benefits for.

For example, while collision insurance only provides benefits if your food truck is in a collision with another vehicle or object, comprehensive insurance could provide benefits if your truck is damaged by a kitchen fire, bad weather, vandalism by an unhappy customer, and more.

General Liability

Many business types in Mississippi need to be covered by a general liability policy. This is not the same as an auto liability policy because it relates to general business activities rather than to the use or movement of the food truck itself.

In many cases, Mississippi general liability insurance coverage could pay for any legal expenses you incur as a result of a liability issue as well as the costs associated with judgments, rulings, and more.

Property Insurance

As a Mississippi food truck owner and operator, you need to consider your risk for having appliances or other items inside your truck damaged or destroyed.

Personal property coverage can be added to your auto coverage to provide benefits for these non-vehicle items. This is optional coverage that is usually added to a policy because of how beneficial it can be.

Real estate property insurance can also be purchased by a food truck owner if he or she owns land for the business. You may have a dedicated area that is developed with advantageous features, such as a guest parking area or an outdoor seating area.

Land that you own typically will not be insured, but any improvements that add value to the property or that are relevant to your business use of the property could be insured against loss.

Workers’ Compensation

Insurance claims binder

Workers’ compensation insurance is a type of employee coverage that may be applicable to your Mississippi food truck business if you have employees.

This insurance pays benefits to an injured employee. Benefits could be used to replace lost wages during recovery, to pay for medical bills, and more. It is usually required if you have any part-time or full-time employees.

Umbrella Policy

You could also think about buying an umbrella policy for your Mississippi food truck business. Umbrella insurance is an optional coverage type that has employee benefits.

More than that, it offers liability and other coverage types that can further reduce your out-of-pocket expenses in the event of an accident or another costly event.

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Bundling Your Mississippi Food Truck Insurance

Food truck owners in Mississippi are focused on reducing overhead. To keep premium costs low while still obtaining the insurance benefits you need or want, consider bundling your coverage under a single provider.

A bundled insurance policies discount could result in tremendous savings.

However, because there may be cost advantages associated with buying coverage from multiple providers, you should thoroughly examine all insurance options for your food truck business before you decide the best course of action to take. Make sure you are covered with our free quote tool below! 

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