What insurance is required for a food truck in Missouri?

Food truck insurance in Missouri usually consists of an owner's policy that includes general liability and property insurance. Consider bundling food truck policies 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...

  • Missouri food truck businesses must be properly insured just as any other business in the state should be insured
  • Because food trucks are mobile businesses, they also must comply with commercial auto insurance requirements in Missouri
  • Before starting a food truck business in Missouri, compare quotes for all of the insurance products you need, and factor these expenses into your financial projections

The decision to start a Missouri food truck business may be easy to make if you have delicious recipes that you want to share with local customers, but you should not jump headfirst into your food truck business idea without exploring several important factors.

You need to review income and expenses to confirm that this will be a profitable venture for you. One of the expenses that can dramatically impact your bottom line is an insurance premium, and there are numerous types of insurance that you may need or want to buy.

When you run a Missouri food truck business, you may have to comply with the state’s commercial auto insurance requirements, and there are also coverage requirements for the business and for hiring employees that could impact your business.

With multiple premiums impacting your bottom line, you need to request accurate quotes from leading insurance providers. You may also explore the financial benefits associated with bundling your food truck coverage through one insurance provider.

Compare auto insurance quotes right here. Just enter your zip code above and see the rates of several top providers.

Coverage Available for Food Trucks in Missouri

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Your meals and snacks offered through your Missouri food truck to the local market may be a big hit, but this does not mean that running your business is without its risks. Each time you get behind the wheel, you face accident-related risks.

You also face risks associated with serving customers, allowing your employees to work in your truck, and more. It is critical that you understand the required and optional food truck insurance products for your Missouri business.

Commercial Auto Insurance

All commercial-use and private-use vehicles in Missouri must be properly insured with a minimum amount of coverage.

The liability auto coverage requirement for private-use vehicles in this state conveys to commercial auto insurance requirements as well.

While it is important to obtain a quote for auto insurance that complies with the state’s minimum requirements, you also should explore the benefits associated with buying optional coverage for collision or comprehensive insurance for your Missouri food truck.

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Hired and Non-Owned Auto Insurance

Some Missouri food truck owners run a business out of their own truck, but others may lease a food truck for their business operations. Hired and non-owned coverage is necessary if you lease a vehicle that is used for commercial purposes in this state.

You can adjust your coverage limits as needed to take full advantage of the benefits that this type of insurance provides.

Collision Coverage

Missouri does not have a legal requirement for commercial collision insurance, but food truck owners may be required by an auto lender to have this type of auto coverage.

Liability insurance required by law pays for the expenses you create for other people while driving your food truck, and optional collision insurance pays for your own vehicle expenses only in the event of a collision.

Comprehensive Coverage

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Missouri state law also does not require you to buy collision insurance for your food truck business, but this may be required by your auto lender if you have financed your food truck.

Unlike collision insurance that only pays for expenses related to a collision, comprehensive insurance also pays for your expenses caused by the following:

  • a vehicle theft
  • vandalism
  • severe weather events
  • other similar types of damaging events

General Liability

Many businesses in Missouri must be protected by a general liability insurance policy. This type of insurance is designed to pay for your liability expenses related to running the business rather than driving the food truck.

Therefore, issues such as your awning collapsing on a customer, your food causing illness in your customers, and more may be paid for through a general liability insurance policy.

Property Insurance

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Missouri food truck owners may also need to buy property insurance, such as personal property and real estate property insurance.

Personal property insurance in Missouri is added to an auto policy, and it will pay for damages and related expenses for your kitchen equipment and appliances in the truck.

Real estate property insurance can pay for expenses related to damage to improvement to land where you park your truck. This only is available if you own the land where you park your Missouri food truck.

Workers’ Compensation

Hiring employees for your food truck business may be necessary, and you will need to take precautions against employee-related risks by buying workers’ compensation insurance.

This type of food truck insurance pays for medical bills and other related costs if one of your workers is injured on the job.

Umbrella Policy

Some food truck owners in Missouri may opt for an umbrella policy. An umbrella insurance policy includes benefits for employees, and it also pays for expenses related to other aspects of your business operations. 

Comparing rates is a great way to determine if an umbrella policy is cost-effective for your food truck business.

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Bundling Your Missouri Food Truck Insurance

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A Missouri food truck business typically needs at least a minimal amount of liability auto insurance as well as some types of business insurance, and you may decide to buy optional insurance products for the added benefits they provide.

Because you may need to buy multiple types of food truck insurance for your Missouri-based business, you need to consider the possibility of bundling your insurance together with a single provider.

By taking this step, you could potentially qualify for a bundled policies discount through select providers.

Bundling your insurance could help you to save money on the food truck coverage you need, and it may make it easier for you to pay your monthly bills. Keep in mind, however, that bundling policies may not always yield the lowest rates.

Smart business owners in this state will request quotes for bundled food truck insurance as well as unbundled insurance to identify the best deal possible.

Compare car insurance quotes right here to get started on your way to saving money. Enter your zip code below to begin.

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