What insurance is required for a food truck in Tennessee?

Food truck insurance in Tennessee 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...

  • Owning a Tennessee food trucks exposes you to numerous risks that could be countered with the right portfolio of insurance products
  • Tennessee food truck owners must purchase some types of insurance by law, but other insurance products are optional
  • Insurance premiums can affect your bottom line when running a food truck business, so you must find a way to keep this expense as low as possible

Being your own boss as a Tennessee food truck owner can be a truly exceptional aspect of your career in the foodservice industry, but there are risks associated with any type of venture.

When you own a food truck, there is a possibility that you could be in a car accident in the truck. You could also face customer liability issues, workplace injuries, and more.

Buying insurance is required by law in some instances and it may also protect you against financial losses for many of these possible situations.

When you run a food truck business in Tennessee, you must understand the licensing and insurance requirements for this business type just as you would for any other type of business.

You also must research the cost of insurance by shopping around to find the best rates available, and you must incorporate the premium costs for the insurance products that you want or need into your financial estimates.

Enter your zip code into our free rate comparison tool above to get free quotes today.

Finding a way to keep insurance costs as low as possible is critical, and one step that you can take to accomplish this goal is to bundle your policies together.

Coverage Available for Food Trucks in Tennessee

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A food truck in Tennessee is a commercial vehicle, so it must be properly insured to be on public roads in this state. However, it also is a business, and you may need to conform to insurance requirements to serve your customers, to hire employees, and more.

Exploring some of the optional and required types of food truck insurance policies available in Tennessee can help you to identify the overall best way to insure your truck and your business.

Commercial Auto Insurance

Your commercial food truck in Tennessee must be insured per the state’s minimum automobile insurance requirements.

Liability insurance for commercial vehicles is required, and this is a type of coverage that pays for the expenses that you create for others if you are in a collision or accident in your truck.

Because liability food truck insurance does not pay for your own expenses for vehicle repairs and other related expenses in the event of an accident or another type of damaging event, you may also opt to buy collision or comprehensive food truck coverage.

Hired and Non-Owned Auto Insurance

Renting a Tennessee food truck to run your food services business out of is one idea that some business owners consider. With this type of setup for your business, you may need to get hired and non-owned auto insurance for your own truck.

This coverage is a type of commercial auto insurance that is specifically intended for leased vehicles that are used for business purposes, and it offers many of the same liability benefits that you need to comply with the state’s law.

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Collision Coverage

Regardless of how frequently or seldom you choose to drive your food truck on Tennessee roads, there is always a chance that your truck could be in a collision.

Liability coverage on a Tennessee food truck will not pay for your own repair costs, so you may prefer to buy collision coverage for this purpose. Collision insurance only pays for expenses associated with a vehicular accident.

Comprehensive Coverage

Both collision and comprehensive insurance are optional types of insurance for most Tennessee food trucks, but they could be required by a vehicle lender in some cases.

Comprehensive food truck insurance pays for your own expenses associated with non-collision damage such as:

  • vehicle fires
  • wildlife damage
  • weather-related damage

General Liability

Business liability insurance requirements in Tennessee extend to food truck businesses, and you need this type of business coverage to pay for non-automotive liability issues.

For example, if your soup is too hot and burns a patron, the patron could sue your business for damages. This type of event would not be covered under auto coverage, but legal expenses, as well as liability costs, could be paid for by a general business liability insurance policy.

Property Insurance

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Some food truck owners in Tennessee own land where they typically park their food truck and run their business from.

This land may be improved with an outdoor seating area, a parking area, and more, and these improvements could be insured by a real estate property insurance policy.

In addition, the appliances and other equipment or features inside your food truck may need to be insured against losses or damage.

A personal property insurance component added to your auto policy could provide the benefits that you need for these items.

Workers’ Compensation

Hiring employees is necessary for many food truck businesses in Tennessee. After all, you want your food truck to be open and producing meals and snacks for your customers for many long hours each day, and it is not feasible to do all of the work yourself every day.

Workers’ compensation insurance is required if you have employees, and it pays for any wage replacements or injury treatments that you may be responsible for if one of your workers is involved in an accident while at work.

Umbrella Policy

If you are looking for a better option for your food truck’s employee coverage, buying an umbrella policy is smart.

An umbrella policy may provide you with employee benefits as well as many other types of insurance benefits that you could potentially need while operating your food services business in Tennessee.

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Bundling Your Tennessee Food Truck Insurance

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A primary goal for any business owner in Tennessee is to keep expenses as low as possible. By reducing overhead, you can boost profits. Shopping for the best rates available on the insurance products your food truck needs is critical.

Some Tennessee insurers offer a bundled coverage discount, and this type of discount will save you money on premium costs when you buy multiple policies through one provider.

Because bundling is not always the most affordable option available, you will need to request a few different quotes from top insurance companies before you decide how to structure your insurance portfolio.

Compare car insurance quotes right here to find the policy that has the coverage you need at the best rate. Enter your zip code below to begin.

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