What insurance is required for a food truck in North Dakota?

Food truck insurance in North Dakota usually consists of a business owner's policy that includes general liability and property insurance. Compare online quotes 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...

  • North Dakota food truck owners may need or want to buy multiple types of insurance for the business and the commercial vehicle
  • The fees associated with each insurance premium your food truck business needs to pay can negatively impact profitability, and you need to find a way to keep these expenses as affordable as possible
  • While there are regular premium fees for food truck insurance, the right combination of insurance products may save you a tremendous amount of money in out-of-pocket costs

Running a North Dakota food truck business can be blissful many days of the year, and this is because you have the opportunity to do something you love to do while also being your own boss.

However, running a food truck business in North Dakota is not without risk or cost. Many of the risks that you may face while running this type of business can be covered by a required or optional insurance policy.

You need to examine the required and optional insurance products available for North Dakota food trucks today so that you are fully prepared for anything that the future may hold.

Commercial auto insurance and some types of business insurance for food trucks are required for this type of North Dakota business, but there are benefits associated with buying optional coverage types as well.

The right combination of food truck insurance policies can cover most or all of the expenses that your business could otherwise be liable for if a negative event occurs, such as a food truck car accident.

Because the cost of these insurance premiums varies substantially by provider, you need to compare quotes today to identify the best deal possible.

Keeping overhead expenses is vital to the success and general profitability of your North Dakota food truck business, so you should also examine other options to save money on your coverage.

Some food truck owners have been able to reduce their premium costs by bundling their policies together with the same provider.

As you explore food truck insurance products available, remember to ask for quotes for bundled policies to determine if this is the most affordable option available to your food truck business.

Get quotes today for free by using our comparison tool above. Enter your zip code and you’ll be on your way to comparing several quotes side-by-side.

Coverage Available for Food Trucks in North Dakota


Business and auto insurance is designed to help you plan and prepare for a devastating and expensive event.

Things like car accidents, business liability events, and more can and do happen, and insurance policies provide you with a convenient way to pay for these expenses.

Without insurance, your mobile restaurant business may face numerous fines for non-compliance with insurance regulations, and you may also have to pay expensive fees out of your personal funds.

Understanding some of the most typical food truck insurance products available in North Dakota can help you manage your business better.

Commercial Auto Insurance

In North Dakota, all drivers must be properly insured to drive legally on the road, and this includes drivers of food trucks. Food trucks are commercial vehicles, so they must be insured by a special commercial auto policy.

The primary type of auto insurance included in a commercial policy is liability insurance, which pays other parties for any fees and expenses you create while driving your North Dakota food truck.

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Hired and Non-Owned Auto Insurance

Some North Dakota business owners purchase a food truck, but others rent a truck that they work out of. Special insurance is available for those who lease a commercial vehicle, and this coverage is hired and non-owned auto insurance.

Non-owned coverage gives you the liability insurance you need to comply with the state’s auto insurance requirements.

Collision Coverage

If your North Dakota food truck business is involved in a collision with another vehicle, you may be faced with expensive repair costs.

Liability insurance for your food truck only pays benefits to other people if you create expenses for them, and you need to buy collision insurance separately for your food truck if you want insurance that pays for repair work on your commercial vehicle.

Collision insurance is optional in this state, but some lenders require you to have it.

Comprehensive Coverage

While some food truck lenders in North Dakota require you to have collision insurance, others require you to have comprehensive insurance.

Comprehensive insurance offers coverage for damage not related to collisions.

For example, if you have a wildlife mishap or if your food truck is damaged by severe weather passing through the area, comprehensive benefits can pay to repair your commercial vehicle.

General Liability

North Dakota’s food services businesses may need to buy general liability insurance as well. This type of liability insurance is related to the operations of your business rather than driving the food truck around town.

Any expenses associated with a business liability issue that your food truck is faced with could be paid for by this type of business insurance.

Property Insurance


Some North Dakota business owners buy personal property insurance for their vehicles, and this is beneficial to food truck owners. A food truck may have expensive personal property in it at all times, such as equipment and appliances.

Personal property insurance pays for any losses you may incur that are related to these items.

In addition to buying personal property insurance, there are instances when a food truck owner in North Dakota needs to buy real estate insurance.

You may own land that is dedicated to the use of your food truck, and this land could be developed or improved with a sound system, light fixtures, an outdoor dining area, and more.

Real estate property insurance can protect you from loss if these improvements are damaged in some way.

Workers’ Compensation

Hiring employees is a common step that North Dakota food truck operators take, and there are risks associated with having employees work in your food truck.

You could be held liable for any repair bills or other expenses they create if they are injured while working for your North Dakota food truck business. Workers’ compensation insurance, however, provides financial compensation for these often-expensive costs.

Umbrella Policy

An optional type of insurance available for your food truck business to purchase is an umbrella policy. With this broad coverage business insurance, you will enjoy incredible employee benefits.

An umbrella policy for a North Dakota food truck business also offers non-employee benefits that your business may need and benefit from in the future.

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Bundling Your North Dakota Food Truck Insurance


As you learn about the many types of North Dakota food truck insurance you may need or want to buy, you may be able to visualize the negative impact premium costs will have on your bottom line.

Comparing rates with multiple providers is a wonderful step to take if you want to keep this expense as low as possible. Enter your zip code into our free rate tool below to begin comparing today.

A discount for bundling coverage together could also help you to save money. However, remember that bundling is not always the cheapest insurance option available, and you should request insurance quotes for both options before you decide how to proceed.

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