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

Typically, New York food truck owners pay $105/mo for a business owner's policy that includes general liability and property insurance. Food truck insurance rates in NY will vary and are based on your location and other factors.

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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...

  • A New York food truck owner and operator can prepare for a worst-case scenario by taking advantage of multiple insurance products
  • Some types of food truck insurance available for New York business owners may be required, including commercial auto insurance
  • New York food truck owners pay $105/mo for a business owner’s policy that includes general liability and property insurance
  • If you need to buy multiple insurance products for the legal and efficient operation of your New York food truck business, consider the benefits associated with bundling coverage with one provider

Throughout the state of New York, many people love to pick up quick food-to-go at local food trucks or even to dine at on-site or nearby picnic tables or benches.

You may be thinking about opening a New York food truck that sells Mexican cuisine, Italian food, or something else, and you may be starting to compile a business plan to prepare for the launch.

Your business plan should identify potential risk factors and will analyze the costs of different types of insurance available for food truck owners in the state.

Before you open your food truck business in New York, spend time analyzing the state’s licensing and insurance requirements that pertain to this type of business.

By doing so, you will see that you need to buy a commercial auto policy as well as some types of business insurance to comply with the law. Your business plan should outline the costs of all insurance products that you need or intend to buy.

Regardless of whether you plan to run a food truck business or another type of business in New York, keeping overhead as low as possible is important.

The two primary steps that you can take to decrease the cost of the insurance products you need are to shop around and to bundle insurance policies together. Compare car insurance quotes right here to find the best deal for the coverage you need. Enter your ZIP code to begin!

Closer analysis of insurance products available may help you to determine which coverage options you need or want to buy.

What Coverage is Available for Food Trucks in New York?

Everything from unintentionally getting your patrons sick from a foodborne illness to being a victim in an auto collision in your food truck and other risks could happen with your new business.

Insurance products can be purchased to help you to plan for some of the risks you may be affected by.

It is important to learn as much as possible about each food truck coverage type available, and you also need to determine what New York’s law requires for a minimum amount of business and auto insurance.

Commercial Auto Insurance

In this state, all personal-use and commercial-use vehicles must comply with New York’s auto insurance requirements. Auto insurance gives you the ability to pay for any accidents that you cause while driving.

The minimum amount of liability insurance required pays for the expenses you create for others that you may be responsible for.

You should consider increasing your coverage and also taking advantage of collision or comprehensive insurance if you want to enjoy the most thorough and complete benefits available.

What is Hired and Non-Owned Vehicle Insurance?

A New York food truck operator may lease the truck that he or she works out of. If this is the case for your food service business, hired and non-owned coverage rather than commercial auto liability insurance may be more suitable for your situation.

Hired and non-owned coverage offers liability coverage for renters of commercial vehicles.

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Collision Coverage

Some food truck owners in New York will simply park their truck on a plot of land and will not move the truck for months or even years, but others will drive the truck regularly to different and popular events and locations.

Collision commercial coverage provides financial benefits to you if your food truck is involved in a vehicular accident, and it offers benefits that include vehicle repair costs for your own truck.

Collision insurance is required by some lenders, but it is not a state legal requirement.

Comprehensive Coverage

Like collision coverage for a food truck, comprehensive insurance is not legally required for all food truck owners, but your truck lender may require it. It is similar to collision insurance in that it pays for your own vehicle expenses.

The difference is that collision insurance pays for vehicular accidents while comprehensive insurance pays for the following:

  • weather damage
  • criminal acts
  • wildlife damage

General Liability

Auto coverage is not the only type of insurance that may be relevant to your New York food truck business.

General liability business insurance offers compensation related to liability issues your business faces, and this includes the operation of the business rather accidents that happen when you are driving the food truck around.

Some business liability insurance may be required for food truck business owners, and you need to carefully review the requirements as well as the cost of different policy options.

Property Insurance

You may have purchased land to park your New York food truck on. Land is not usually insured by real estate property insurance, but any improvements to the land may be insured.

These improvements could potentially include outdoor lighting and sound features, a deck or seating area, and more.

Another type of property insurance should also be considered by New York food truck operators.

Auto insurance typically does not pay for any damaged items inside the vehicle, and you will need to buy personal property insurance to cover your kitchen appliances and other features inside the truck.

Property insurance is optional coverage, but it offers critical benefits that you may not want to be without.

Workers’ Compensation

Some food truck owners in New York will put in long hours each day to run their business on their own, but others will hire at least a few part-time employees. If your employees are injured on the job, you are responsible potentially for their injuries and related expenses.

Workers’ compensation insurance in New York could pay for these types of expenses for you, and some businesses are even required to purchase this type of business insurance.

Umbrella Policy

Umbrella insurance for food trucks in New York can also be purchased. Remember that an umbrella insurance policy offers more than just employee-related benefits.

While usually optional for food truck owners in this state, it may offer substantial benefits that ultimately prevent you from paying a significant amount of money out of your own pocket.

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How do I save money on my New York food truck insurance?

Because your food truck in New York may require multiple types of auto and business insurance, you may be thinking about bundling your policies together.

A bundled policies discount available through select insurance companies serving New York could help you to save money on your coverage, and this could potentially boost profitability.

However, spend time requesting both bundled and non-bundled insurance quotes so that you can quickly and easily identify the best deal possible for your coverage. Enter your ZIP code below to begin comparing auto insurance quotes now.

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