What insurance is required for a food truck in Utah?

Food truck insurance in Utah typically consists of an owner's policy that includes general liability and property insurance. Consider an umbrella policy for your food truck 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...

  • When operating a food truck business in Utah, you face numerous risks that could ultimately cost you a modest fortune if you are not properly prepared to deal with them
  • Many automotive and operating risks that food truck business owners face can be addressed properly and successfully by different types of insurance coverage
  • Most food truck owners and operators will take full advantage of both required and optional insurance products to address all relevant risks that they face

Utah residents and visitors love to grab a quick bite to eat at local food trucks.

These food trucks offer a full range of culinary options, and they usually are independently owned and operated to bring patrons direct access to unique flavors and dishes that they may be hard-pressed to find elsewhere.

As a Utah food truck owner yourself, you may love being your own boss and satisfying your customers’ hunger with delicious snacks and meals, but you may also be aware of the many risks that you face on a daily basis.

Because a food truck in Utah is usually mobile, there is always a potential risk for a vehicle collision. Food-related illnesses, workplace injuries, and more could also occur through your operational activities.

In Utah, food truck owners are required by law to obtain some types of insurance, and your truck lender may also have different insurance requirements for you to meet.

Beyond that, you may also discover that there are substantial benefits associated with buying optional insurance products.

Each type of Utah food truck insurance that you buy has its own premium cost, and you must be financially prepared for these expenses through thoughtful budgeting.

As you prepare a new budget or update an existing budget, spend time analyzing different food truck insurance products available and their cost. This overview will help you to determine how to best structure your insurance coverage while containing costs as much as possible.

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Coverage Available for Food Trucks in Utah


Some people look at a food truck and see a commercial vehicle, and others see a mobile business or restaurant. The reality is that a food truck in Utah is both a commercial vehicle and a business, and because of this, multiple insurance products are required by law in this state.

In order to comply with licensing and insurance regulations, you need to learn more about the requirements and regulations in place.

Commercial Auto Insurance

If you plan to drive your food truck even a short distance on public roads in Utah, it must be properly insured per the state’s commercial auto insurance requirements.

Liability insurance is a major component of the commercial insurance requirement, and this is because liability insurance gives you the financial means to pay for damages you create while driving the food truck through Utah.

All drivers in this state must pay for any damages they create, and this holds true for private and commercial drivers alike.

Hired and Non-Owned Auto Insurance

While many Utah food trucks are owned and operated by the same person or company, some Utah food trucks are leased to a separate entity for operational activity.

If you are one of the many food truck operators in Utah who lease a truck, you should purchase hired and non-owned auto coverage. This is a special type of commercial vehicle coverage that is intended for leased commercial cars, trucks and vans.

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Collision Coverage

The liability insurance requirement in Utah pays for repair work on other people’s cars when you cause the damage, but what happens to your own vehicle? Collision insurance is not a Utah state requirement, but it may be required by your food truck lender.

Collision insurance offers financial benefits to repair your damaged food truck only after a collision.

Comprehensive Coverage

While some Utah food trucks are damaged in a vehicle collision, other types of damage could also impact your food truck. For example, your truck could be damaged by the following:

  • wildlife
  • poor weather conditions
  • vandalism

Comprehensive insurance non-collision events, and these benefits are used for the direct repair work or for a full replacement of your vehicle.

General Liability


Auto liability is not the only type of liability coverage that you can or should buy when you operate a Utah food truck business.

This type of auto coverage only pays for liability issues related to the operation of the truck, but you may also be exposed to business-related liability issues.

In Utah, you can buy a general liability business policy that offers protection and benefits related to business or operational activities.

Property Insurance

Inside a typical Utah food truck, you will find expensive and necessary appliances and other types of kitchen equipment. These items could be stolen or damaged, but they are not covered by a typical collision or comprehensive insurance policy for Utah food trucks.

If you want these items protected by insurance, you need to add a personal property rider to your existing policy.

Another type of property insurance that could benefit some food truck owners in Utah is real estate property insurance.

Many food trucks are driven to a new location each day, but if you park your truck on land that you own regularly, any developments on this land could be insured by a real estate property policy.

Workers’ Compensation


Most Utah businesses have at least a couple of employees, and these businesses should purchase a minimum amount of workers’ compensation insurance.

Workplace injuries could ultimately be the business owner’s financial responsibility, but workers’ compensation can be used to pay for an injured worker’s time off from work and medical expenses.

Umbrella Policy

Some Utah business owners take full advantage of employee benefits available through an umbrella policy. Umbrella insurance incorporates employee benefits with many other types of food truck insurance that you may need access to.

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Bundling Your Utah Food Truck Insurance


Because you likely need to buy several types of auto and business insurance for your Utah food truck, you may be thinking about bundling coverage. 

Bundling could save a significant amount of time and energy, and it could also qualify you for a lower rate through a special discount.

However, avoid making the assumption that any bundled coverage option is the most affordable option available, and always thoroughly compare all options before decided how to get the insurance your food truck needs.

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