What insurance is required for a food truck in Washington?

WA food truck owners typically pay $105/mo for a business owner's policy that includes general liability and property insurance. Food truck insurance rates are based on the value of your property and equipment, as well as your location.

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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...

  • If you drive a food truck in Washington, you should be familiar with the type of insurance that is required for food truck drivers
  • Commercial or business insurance is available in Washington to cover specific situations
  • Washington food truck insurance rates start at $105/mo
  • Learn and know the difference and shop and compare to get the best deal on commercial car insurance

Starting a food truck business is about more than just transporting excellent cuisine. It’s about developing a system and a plan of activities that reflect the values you have for your company, as well as protecting your investment.

Having delicious food and a unique menu is a good start but what else is involved in running a successful food truck business?

One thing you’re going to need to have is auto insurance. Shop for the coverage you need today by using our free comparison tool above. It’s free and there’s no obligation. Just enter your ZIP code to begin.

What do you need to run a successful food truck business?

There are some important things you should do to run a successful trucking or transportation business in Washington. The following are some of the most important aspects to put in place.

Your business plan should include the steps that you will follow to reach your goals.

Also, you should line out the plan of how you will follow your plan and implement your ideas. You will invest a lot of time and money in your business, so it’s important to have a succinct plan to follow as you build your business.

Here are some areas you’ll want to prepare:

  • Detailed business plan with serious investment – When you start a food truck business, you want to make sure that you protect your investment. One way to make sure you do this is to have a serious business plan.
  • The right equipment – You need to make sure that your truck is in the best condition and that you have the right equipment to keep your food safe during transport.
  • Legal compliance with all rules, regulations, and certifications – An essential part of a food transport business is in following the regulations of all local, state, and federal requirements. In the state of Washington, there are also some specific requirements for handling food and food transportation.

Washington food truck owners typically pay $105/mo for a business owner’s policy that includes general liability and property insurance. Food truck insurance rates are based on the value of your property and equipment, as well as your location.

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The Importance of Auto Insurance

Auto insurance is another requirement for having a food truck business in Washington. It protects your business plan and the investment that you have made. It keeps your equipment safe so that you will be covered in the event of an accident.

It is important to compare different policies and companies in Washington to find out what the best deals are for your food truck business.

There are some different types of coverage for food trucks in Washington. You will need to find business insurance and know which types of insurance are necessary to protect your business and investment fully.

Keep in mind that there may be the city, county, and state standards that must all be followed simultaneously so make sure you know these. Many of these standards can be found on the Washington State Department of Transportation site.

How do I find insurance coverage for my food truck?

When looking for auto insurance for your food truck, it’s important to look into the various types of coverage to make sure you have enough coverage.

Below are some of the most important types of insurance you need to know about when covering your food truck in Washington.

Commercial Auto Insurance

Commercial auto insurance is insurance that covers your business, not just your property loss, and also covers you for liability in the event of an accident that harms others or their property.

Commercial auto insurance covers damages that result in injury to persons or damage to property owned by others. It will cover liability involving bodily injury or property damage that you or your company caused with the following:

  • trucks
  • equipment
  • other assets

It is a necessary coverage to avoid lawsuits that can result from these types of situations.

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What is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto insurance cover situations where you have employees who are driving vehicles or using equipment that is not owned by the driver.

Having umbrella auto insurance can help you to make sure you have the coverage for these situations.

Just make sure that the auto liability insurance is cited as the underlying policy for which it provides.

Collision Coverage

Collision insurance covers situations where you receive damage to your vehicle in an accident. It does not cover off-the-road accidents that are not due to an accident.

If you own a food truck in Washington, you will need to have sufficient collision insurance to cover any damages you may receive while driving on the job.

Comprehensive Coverage

Comprehensive coverage does not cover car accidents. Instead, it covers almost everything else such as:

  • theft
  • fire
  • hail
  • any other “acts of nature”
  • damage that is not due to an accident

You need comprehensive insurance coverage as a business owner so that other situations that occur will be covered that are not covered by your standard insurance.

Umbrella Policy

An umbrella policy is an insurance policy that attempts to cover every possible situation that you might encounter as a commercial driver or business owner. This is important coverage that can make you feel more secure.

It will not only cover employees but all of your equipment, buildings, trucks, and other investments that you have made in your food truck business.

Coverage for My Business

In addition to these important coverage areas, there are some other areas that you should be aware of when seeking insurance for your food truck business in Washington.

  • General liability – General liability insurance covers the liability to others from you or your employees or contractors. It covers bodily injury and property damage to others. You need this important coverage to avoid lawsuits that threaten your business stability.
  • Property insurance – Property insurance is important because it covers your commercial buildings, property, equipment, inventory, and other material possessions in the event of a fire, theft, or other situation.

When you are an employer or own a food truck business, you should also consider having coverage for your employees.

In fact, in Washington, it’s state law to keep workers’ compensation as an outlet to handle situations where your employees are injured on the job.

If you do not carry this important insurance, you could be sued by the employee and also suffer other penalties for violation of the law.

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Should you bundle your insurance?

It’s a good idea to consider bundling your insurance coverage so that you have coverage for every possible situation that you might encounter with your food truck business.

Check around and compare rates in Washington to see which policies cover the important situations that you may encounter.

There may be insurance discounts offered in Washington for safe driving or other reasons. A lot of factors influence car insurance premiums, and these same factors can also score you some major discounts with the right provider.

Check into this when you shop and compare and find out what is offered in your area. Enter your ZIP code into our free rate comparison tool below to find the right coverage for your situation.

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