What insurance is required for a food truck in Nevada?

Food truck insurance in Nevada usually consists of a business owner's policy that includes general liability and property insurance. Consider an umbrella policy 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...

  • Nevada food truck owners are required to purchase multiple types of insurance to comply with regulations, and some also prefer to buy optional coverage for enhanced benefits
  • Shopping for the lowest rates on food truck insurance is a convenient way for Nevada food service business owners to identify potential savings
  • Some food truck owners in Nevada bundle their different types of coverage together with the same insurance provider to make use of a bundled policies discount

Food trucks are popular dining options throughout Nevada, and you may have plans to profit from this trend yourself by starting your own food truck business.

While you need to create delicious recipes to include on your menu, you also need to prepare a detailed business plan for your Nevada food truck business.

A detailed business plan identifies all potential risk factors associated with running this type of business, and it also itemizes the various expenses that you will be responsible for on a regular basis.

A food truck faces the same risks that any other food service business faces, and it is also exposed to risks related to automotive transportation and vehicular movement.

Buying several types of Nevada food truck insurance is a convenient and affordable way to address many of these risks, and some types of food truck insurance are even required in this western state.

Most Nevada food truck owners either need or want to buy several types of insurance products, including auto and business coverage options.

It is possible to buy these products from multiple providers, but some business owners discover that they qualify for a bundled policies discount if they buy coverage from one provider.

Comparing the options available will help you to determine the best insurance strategy for your Nevada-based food services business.

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Coverage Available for Food Trucks in Nevada

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Nevada food truck operators are committed to bolstering profits as much as possible, and one key step required to accomplish this goal relates to minimizing expenses as much as possible.

Only required insurance products, as well as optional insurance products that offer true benefits to your food service business in Nevada, should be considered.

More than that, you need to find an affordable way to structure your coverage to keep overhead low.

Commercial Auto Insurance

Nevada is one of many states that has a minimum and mandatory auto insurance requirement, and this requirement extends for personal and commercial drivers alike.

A commercial auto insurance policy that complies with state guidelines will have a liability component to it. Liability auto insurance may provide you with benefits to pay for other parties’ vehicle repair costs and medical expenses.

Hired and Non-Owned Auto Insurance

Commercial auto insurance is needed if you own or finance your truck with a loan but hired and non-owned auto insurance is beneficial if you rent the truck that you run your business out of.

Nevada food truck operators may enjoy the same level of liability benefits through this type of coverage that truck owners enjoy through a liability auto insurance policy.

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Collision Coverage

A vehicle accident involving your food truck in Nevada is always a possibility, and you should plan ahead for the possible repair work or replacement needed for your truck.

Remember that liability auto coverage required by Nevada pays other parties for their expenses and does not pay for your own accident expenses. Collision auto insurance is an optional product in many cases, but it may be required by a truck lender.

With this type of auto insurance, your truck’s repair costs or even a full replacement may be paid for by your auto coverage.

Comprehensive Coverage

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This insurance product is usually only required by a truck lender, but all truck owners may benefit from it.

It pays for repair work and expenses for your Nevada food truck that are caused by damage from the following:

  • wildlife issues
  • bad weather conditions
  • criminal activities

General Liability

Regardless of the type of business that you run in Nevada, there is always a risk that your business could be sued or face other similar liability issues because of your normal operational activities.

General liability insurance is available for Nevada food truck owners, and this unique type of business coverage pays for your company’s legal expenses and other related costs if a liability issue develops.

Property Insurance

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Property insurance that may be relevant to a food truck operator in Nevada may include personal property insurance and real estate property insurance.

Real estate property insurance offers benefits associated with damage to improvements on land that you own. This may be a dedicated area where you normally park your food truck and run your business from.

Personal property insurance is another type of insurance that your local food service business could benefit from.

As an optional component of an auto insurance policy, personal property coverage includes benefits for the equipment, appliances, and other features inside the truck. While this is optional insurance, it may be a cost-effective addition to your total coverage portfolio.

Workers’ Compensation

Some Nevada food trucks hire employees to facilitate daily operations and to give the owner some free time to enjoy on his or her own. If your detailed business plan for a Nevada food truck includes hiring an employee, workers’ compensation may be needed and beneficial.

This type of employee insurance pays for an injured worker’s medical bills and for any income that he or she may not receive while recuperating.

Umbrella Policy

You could also consider buying an umbrella policy for your food service business. This optional insurance option is well-suited for giving you and your team access to a full range of employee benefits and insurance options.

It can also provide you with numerous other benefits that extend beyond employee benefits.

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Bundling Your Nevada Food Truck Insurance

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Now that you have a better idea about the different types of coverage that are needed for local food truck businesses as well as the coverage options that may be beneficial and optional, you may be ready to start comparing rates.

Bundling policies together with the same reputable insurance provider may enable your qualification for a bundled coverage discount.

Smart food truck operators will ask for quotes for both bundled and non-bundled coverage in an afford to save as much money as possible on your coverage.

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