What insurance is required for a food truck in Nebraska?

Food truck insurance in Nebraska usually consists of an owner's policy that includes general liability coverage 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...

  • To successfully run a Nebraska food truck, you must approach the endeavor as you would any other business, and this means that you need to prepare a business plan.
  • Your food truck business plan should outline the types of insurance products that you plan to buy as well as the premium costs, and the insurance types should be in line with state requirements as well as the types of risks that your business may be exposed to.
  • While the state may require you to buy some types of food truck insurance in Nebraska, some food truck owners also have vehicle lender requirements for auto insurance.


Spending your days running a Nebraska food truck can be enjoyable and lucrative, but all business opportunities have multiple risks that you must address and prepare for as well.

For example, your food truck could be involved in a car accident, or one of your employees could get injured on the job.

These and other risks could cost your food truck business in Nebraska a small fortune, but you can prepare for such events by purchasing the right combination of business and auto insurance products.

Nebraska food truck owners need to carefully research licensing and insurance requirements up-front, and this step will ensure that you comply with all legal requirements for insurance.

You also need to research optional food truck insurance products that could be used to further protect your business from unexpected issues.

Insurance premiums will become a regular component in your food truck business’s budget, so you need to properly plan for these expenses.

You may choose to buy your various food truck insurance types through the same provider, and you may qualify for a financial discount if you bundle your policies in this way.

However, some food truck owners find that it is more affordable to buy separate policies from different insurance providers. Shopping around up-front is an important step that all food truck owners should take before launching the business.

Shop around for auto insurance right here. Just enter your zip code into our free rate comparison tool above to find the insurer that’s right for you.

Coverage Available for Food Trucks in Nebraska

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There are several different types of business and auto insurance that may be applicable or even required for food truck owners and operators in Nebraska.

It is important that you itemize the potential risks you face through daily operational activities, and you should identify insurance products that can help you to prepare for those possible events.

Commercial Auto Insurance

Getting in a vehicle accident while driving your food truck through Nebraska is a possibility, and the state requires all commercial vehicles to be properly insured with a minimum amount of auto insurance.

The primary requirement is for liability coverage, which pays the following:

  • benefits to other parties for repairs
  • medical fees
  • more if you cause the accident

Because the minimum amount of commercial auto insurance required in this state does not pay for your truck’s repairs or other accident-related expenses, you should also consider the financial benefits associated with buying a comprehensive or collision auto policy.

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Hired and Non-Owned Auto Insurance

A typical commercial auto insurance policy in Nebraska is suitable if you intend to buy or finance your food truck, but if you lease the truck from another individual, a hired or non-owned auto policy is suitable for your needs.

This coverage type for Nebraska food trucks offers liability benefits that comply with the state’s auto insurance laws.

Collision Coverage

In the event of a vehicular collision with your Nebraska food truck, you must have a financial plan to pay for the repair work.

Collision insurance is not a state requirement in Nebraska, but your truck lender may require you to buy this coverage or a comprehensive auto insurance policy. Collision coverage only offers financial benefits if the damage was caused by a collision.

Comprehensive Coverage

Damage can be caused to your Nebraska food truck by multiple factors, including:

  • a collision
  • criminal actions
  • severe weather
  • wildlife

Comprehensive insurance offers financial benefits for all types of damages rather than only for collision events.

Some truck lenders may require you to have comprehensive insurance on your truck until the loan is paid in full, but this is not a state legal requirement.

General Liability

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General liability coverage is a type of business insurance in Nebraska, and you should research the minimum requirements that apply to your business type up-front before you start serving food to the public.

Auto liability insurance pays for the expenses you create for others if you cause a car accident while driving the food truck, but general liability insurance covers you for business operational risks and events.

Property Insurance

Many food truck owners in Nebraska drive their truck to various parks, commercial areas, and more, and they do not own land where they regularly park their truck.

In the event that you do have dedicated land that has improvements on it, such as an outdoor dining area for your patrons, buying property insurance for the improvements is a smart idea.

Keep in mind that personal property insurance is another important coverage option to consider. Personal property insurance on your auto coverage offers protection for your kitchen appliances and other items of value inside the food truck.

Workers’ Compensation

Food truck businesses that have employees need to understand the state’s requirements for workers’ compensation insurance.

This is an important type of coverage for local businesses that pays for your workers’ expenses if they are injured while working in your truck. 

You may be responsible for these expenses, and workers’ compensation gives you a convenient and affordable way to cover the expenses.

Umbrella Policy

A Nebraska food truck owner could obtain employee benefits through an umbrella policy. While an umbrella policy is most commonly associated with employee benefits, remember that an excellent policy offers well-rounded benefits for many aspects of operational risks.

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Bundling Your Nebraska Food Truck Insurance

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There are several types of auto and business insurance that your Nebraska food truck may be required to buy, and there are also benefits associated with investing in some of the optional insurance types.

You could consider buying all of your policies through one provider, and bundling coverage in this fashion may qualify you for a bundled policies discount to save money on your premiums.

However, using a bundled policies discount is not always the most affordable insurance option available to local food truck owners, and you need to compare several quotes from leading providers to identify the best deal possible on the food truck insurance products that you need.

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