What insurance is required for a food truck in Virginia?

Food truck insurance in Virginia starts at $27/mo. Bundle your business coverage, car insurance, and other policies to save more.

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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: Jul 22, 2021

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Here's what you need to know...

  • Before launching your Virginia food truck business, you need to understand and comply with all state licensing and insurance requirements
  • Food truck owners in Virginia are required to buy multiple types of insurance, and other optional insurance products may be purchased based on need and your budget
  • Because multiple insurance products need to be purchased when running a food truck business in Virginia, bundling your coverage to save money with a discount may be a smart idea

When preparing to launch your new food truck business in Virginia, it is easy to get excited about sharing your delicious recipes with other people and being your own boss – unless when you have to face the annoying behavior of certain customers.

With so much enthusiasm and motivation to get the ball rolling on your new business, you could lose sight of the licensing and insurance requirements in Virginia that apply to your business. However, the expenses associated with licensing and insurance must be budgeted and planned for, and you need to include them in your business plan.

A food truck business in Virginia could be negatively impacted by many perils, and these range from car accidents and theft to workplace injuries, customer liability issues, and more. Compare rates for the coverage you need with our free quote tool above! 

Each of these perils could cost you a small fortune if you are not properly insured against them. More than that, you may even be required to buy some types of insurance that could protect you against losses related to these types of events.

Coverage Available for Food Trucks in Virginia

Virginia food trucks are mobile restaurants, and this means that they must comply with the state’s auto insurance requirements as well as business and employee insurance requirements.

You may also buy optional insurance products to take advantage of the additional benefits they could provide to your business.

Understanding the insurance products available for a Virginia food truck is important if you want to comply with the law and avoid unnecessary expenses related to a negative event.

Commercial Car Insurance

Before driving any vehicle in Virginia, including your new food truck, the vehicle must be properly insured.

Commercial auto insurance requirements in this state closely relate to personal insurance requirements, and these requirements include:

  • $25,000 coverage for property damage liability
  • $25,000 coverage for bodily injury liability per person
  • $50,000 coverage for bodily injury liability per accident
  • Uninsured or underinsured motorist coverage

Remember that commercial auto liability insurance does not pay to complete repair work on your own vehicle, and you will need to buy optional collision or comprehensive insurance to enjoy this benefit.

Hired and Non-Owned Car Insurance

If you are planning to lease a food truck from another person or company rather than buy your own food truck, a different type of auto insurance is applicable.

Hired and non-owned auto coverage is available specifically for leased business-use vehicles.

Collision Coverage

Virginia auto insurance law does not require you to buy collision insurance for your business-use vehicle, which pays for repair work on your food truck if you are involved in a collision only.

Note that other types of events, such as theft or weather-related damage, are not covered by this type of insurance.

A food truck financing company may require you to buy collision or comprehensive insurance if you have a truck loan.

Comprehensive Coverage

While collision insurance only provides you with financial benefits for a collision-type event, comprehensive coverage offers benefits for a wider range of damaging events.

For example, if your Virginia food truck was damaged by wildlife, weather conditions, criminal activities, or something else, comprehensive insurance offers benefits to pay for the food truck’s repair or replacement.

General Liability

The last thing you want to think about when launching a Virginia food truck business is one of your customers suing you for damages, but such events are realistic possibilities.

General liability coverage is a type of business insurance that is necessary for all types of businesses in this state. It offers a full range of benefits against many types of liability events that could impact your food truck business.

Property Insurance

Before you finalize your insurance buying strategy, consider if you need or want to buy property insurance. Property insurance for a Virginia food truck owner may include personal property coverage added to your commercial auto policy.

Remember that a typical auto insurance policy does not provide any benefits associated with the contents of the truck, such as the kitchen equipment. Insuring these items under a personal property insurance product is critical if you want to avoid unnecessary loss.

Another type of property insurance that is not applicable to all food truck owners in Virginia is real estate property coverage.

Many food truck owners drive their truck to desirable areas regularly, but other food truck owners buy a piece of land in Virginia, and they park the truck there on a permanent basis. Insurance is available for any improvements on this land, such as a restroom facility, a parking area, and more.

Workers’ Compensation

Some Virginia food truck owners will operate their mobile restaurant entirely on their own, but many people will hire at least a couple of employees for regular assistance.

Buying workers’ compensation insurance is necessary if you have full-time or part-time employees.

If one of your employees is injured while working for your food truck business, this type of insurance offers benefits for their medical expenses as well as for their lost wages.

Umbrella Policy

Another important type of business coverage that you may want to consider for your Virginia food truck business is umbrella coverage.

An umbrella policy provides you with important employee benefits, but the benefits do not stop there. You will also enjoy business coverage under an umbrella policy that adds further protection.

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Bundling Your Virginia Food Truck Insurance

After you have determined which types of Virginia food truck insurance you need or want to buy, your next task is to compare rates from a few different providers for each type of coverage you intend to buy.

Getting online quotes for insurance may be the best option to consider. Remember that you may want to compare new rates for coverage every six months as well.

In some cases, you will discover that buying coverage from separate providers is the most cost-effective option available.

However, because many insurance companies offer a bundled policies discount, you should thoroughly explore the option of possibly buying all of your food truck insurance through one provider in Virginia. Compare rates now with our free quote tool below! 

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