What insurance is required for a food truck in New Hampshire?

Food truck insurance in New Hampshire typically consists of an owner's policy that includes general liability and property insurance. Combine food truck insurance policies to save money.

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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: Sep 15, 2020

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Here's what you need to know...

  • If you own and run a New Hampshire food truck business, you need to include several types of insurance premiums in your budget regularly
  • Multiple types of insurance are required by law for New Hampshire food trucks, and you may also decide to benefit from a few optional coverage selections available
  • To keep your overhead expenses as low as possible, it is necessary to thoroughly explore the providers available that offer the food truck insurance products you need

Food trucks are a popular casual dining option that is increasingly popular and commonplace in New Hampshire.

You may have high hopes of running a successful food truck business in this state yourself, and you may have already started planning your menu and researching the best places to park your food truck to get the ball rolling.

As you walk through these important steps, do not forget about the importance of properly budgeting for insurance and other similar types of overhead expenses.

Just as other commercial vehicles in New Hampshire must comply with minimum auto insurance requirements, the same holds true for your food truck. A food truck in this state also must meet licensing and business-related insurance requirements.

Entrepreneurs who are thinking about launching a New Hampshire food truck business should carefully research these requirements and should incorporate related expenses for insurance premiums into a business plan.

You may derive great pleasure out of seeing smiles on the faces of the people who dine at your food truck, but you also may be focused on boosting profits with a successful operation.

Profits are maximized when overhead is contained, and one of the best ways to reduce the cost of required or beneficial food truck insurance is to compare rates.

You may also take advantage of a bundled coverage discount available through some New Hampshire insurance providers.

Compare car insurance quotes and options by using our free rate tool above. Just enter your zip code to get started.

Coverage Available for Food Trucks in New Hampshire


Everything from unintentionally causing food poisoning for your customers to being involved in an auto collision in your food truck and more is a risk that you may take daily with your new business.

Insurance products are available to help you prepare and budget for these possibilities.

It is important that you understand each coverage type available and that you conform to the state’s minimum legal requirements for business and auto insurance.

Commercial Auto Insurance

All vehicles on public roads in New Hampshire must be properly insured.

If you plan to drive your food truck to different and strategic locations throughout the state, you must learn about and comply with the commercial auto insurance requirements in this New England state.

Remember that many business owners will increase coverage limits and will buy optional insurance products such as collision or comprehensive auto insurance, in order to more fully benefit from the auto coverage they buy.

Hired and Non-Owned Auto Insurance

Some New Hampshire food truck owners buy their truck outright, and others lease the truck from another person or company. Hired and non-owned auto insurance is critical for food truck operators who lease their vehicle.

Collision Coverage

Collisions can happen at any time while you are driving your food truck throughout New Hampshire, and you need to think ahead about how you will pay for repair bills and other related expenses.

The state’s liability auto insurance coverage offers financial benefits for repairs and other expenses to other parties if you cause an accident, and you need to buy collision or comprehensive coverage to get these same benefits yourself.

Collision coverage pays for expenses related to an auto collision only.

Comprehensive Coverage

On the other hand, comprehensive coverage for a New Hampshire food truck pays for repair work needed after a collision, a mishap involving local wildlife, criminal acts, bad weather events, and more.

Both collision and comprehensive insurance are not legally required and are therefore optional. However, your truck lender may require you to be one of these types of commercial auto insurance.

General Liability

Some mishaps will occur while you are driving the truck, and auto liability insurance typically pays for these types of damaging events.

On the other hand, some liability issues can develop when your truck is parked, and these are mishaps related to the operations of your business.

Damages from such events are usually paid for by a general liability business policy. You should research business liability requirements for your specific business type or model before serving your first meal.

Property Insurance


Some business owners will buy land in New Hampshire for a dedicated place to park their vehicle, and this land may even be developed with outdoor lighting, a parking area, a dining area, and more.

Real estate insurance can cover damages to these improvements. Another idea is to buy personal property insurance through your auto insurance company.

Personal property coverage gives you benefits if your kitchen equipment or other valuable items inside the truck are damaged or stolen.

Workers’ Compensation

Hiring employees to work at your food truck makes it easier for you to run your business for long hours each day while still enjoying some downtime yourself.

However, employees can get injured on the job in many ways, and you may need to buy workers’ compensation insurance to protect your business from these types of events.

Your business could be held liable for workplace injuries, and this includes being required to pay for medical expenses and lost income. Workers’ compensation can pay for these and other related expenses that your New Hampshire food truck may incur.

Umbrella Policy

If you decide to buy an umbrella policy for your New Hampshire food truck business, you should be aware that this type of business insurance has exceptional employee benefits for your team.

More than that, an excellent umbrella policy also gives your business a wide range of benefits.

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Bundling Your New Hampshire Food Truck Insurance


While running your own food truck business in New Hampshire can be an idyllic pinnacle of your professional career, it can be a risky time in your life.

Bundling different types of business and auto insurance products together is a convenient way to save money on the coverage that you need.

However, you also need to obtain at least a couple of quotes for unbundled insurance so that you explore all reasonable options before making a final buying decision for your coverage.

Enter your zip code into our free rate comparison tool below to find the best policy for your car insurance needs.

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