What insurance is required for a food truck in West Virginia?

Food truck insurance costs $105/mo on average. If you live in West Virginia, your West Virginia food truck car insurance will require liability coverage as part of your commercial auto policy.

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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...

  • Running a West Virginia food truck can be risky in many ways, and you need to understand the insurance products available to help mitigate these risks
  • West Virginia food truck operators and owners could potentially buy a combination of auto and business coverage to address specific insurance requirements and regulations in this state
  • Food truck business owners should understand the impact that insurance premiums will have on their bottom line before they launch this type of food services business

Are you thinking about turning your passion for food preparation into a full-time career through a food truck? When you own a food truck, you can customize the menu according to your specifications, and you can enjoy being your own boss on a daily basis.

However, you need to prepare a business plan for your West Virginia food truck business, and this plan should carefully analyze and prepare you for specific risks associated with your business activities.

If you are ready to turn your dream of running a West Virginia food truck into a reality, you should spend time analyzing insurance and licensing requirements in this state.

While some types of West Virginia food truck car insurance products are optional, other types of car insurance are mandatory. You could face penalties or other consequences if your food truck business in West Virginia is not properly insured at all times.

The cost of your West Virginia food truck car insurance will become a regular aspect of your food truck’s budget, and you must plan for these expenses.

In order to do so, you need to have an accurate idea about the costs by requesting auto and business coverage quotes as needed.

Remember that bundling policies with the same insurance company may help you to save money in some cases, but all insurance options should be explored equally if you want to avoid paying more than you need to for food truck insurance.

Compare vehicle insurance quotes right here by entering your zip code into our free rate tool above.

Coverage Available for Food Trucks in West Virginia

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As you explore the many types of West Virginia food truck insurance that are required by law, you will also stumble upon optional coverage that offers substantial benefits.

Because food trucks are mobile restaurants, car accidents, food-borne illnesses, and other events are potential risks that you need to be aware of and plan for.

These are some of the more common types of West Virginia food truck insurance that you can choose to buy today for your business.

Commercial Auto Insurance

West Virginia strictly enforces its mandatory auto insurance requirement, and liability coverage is the primary component of this requirement.

Even commercial vehicles must comply with this requirement, and you must have a commercial auto policy in place for your food truck that includes liability insurance benefits if you want to comply with the law.

However, because liability insurance does not offer benefits to repair your food truck vehicle if you are in an accident, you may prefer to add optional auto coverage to this policy as well.

Hired and Non-Owned Auto Insurance

A non-owned and hired auto policy in West Virginia is needed if your food truck business does not own its own vehicle. While many food truck businesses own their work vehicle, some choose to rent a commercial truck for this purpose.

All leased commercial vehicles must be properly insured by a special non-owned auto policy available to West Virginia drivers.

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Collision Coverage

Collisions are common in West Virginia, and you could be faced with a devastating or expensive event even if you always drive the food truck with care.

While there is not a state requirement for collision insurance in West Virginia, you should determine if your truck lender has this requirement.

Even when not required, this optional coverage could provide substantial financial benefits and could help you to get back on the road again quickly after a car accident.

Comprehensive Coverage

Comprehensive insurance may be required by your food truck loan company.

It provides financial benefits for repair work on your truck for a collision and for many types of risky or damaging events:

  • bad weather
  • wildlife events
  • criminal acts

General Liability Coverage

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General liability insurance is required from West Virginia business types, and this is unique from the auto liability insurance that you may have already purchased for your food truck.

Business liability coverage for a West Virginia food truck provides financial benefits for any type of liability event that your business may face, but remember that auto liability events are usually covered by your auto policy.

Property Insurance

West Virginia property insurance is not generally a requirement for food truck businesses, but it could be a very beneficial option to consider.

Personal property coverage added to your auto policy offers benefits for your outfitted mobile kitchen, such as your food truck’s appliances.

Property insurance could also be purchased for any business real estate that you own. A food truck owner could buy land to park the truck on regularly, and the improvements for this land could be insured by a standard real estate insurance policy.

Workers’ Compensation

A West Virginia food truck business may be exposed to liability related to workplace injuries.

If one of your employees is injured on the job, you may need workers’ compensation insurance to cover the medical bills and other related expenses that your business may otherwise be responsible for.

Umbrella Policy

Some West Virginia food truck owners choose to buy umbrella coverage, which offers substantial benefits for employees.

A solid umbrella policy for your food services business also offers a combination of other benefits for numerous risk factors, making this a beneficial type of optional insurance to consider buying.

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Bundling Your West Virginia Food Truck Car Insurance

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Many West Virginia food truck owners and operators must purchase multiple insurance products to fully comply with all aspects of the law, and optional coverage is usually also purchased because of the benefits that it provides.

When you bundle all of your coverage with the same provider, you could simplify your management of insurance products and potentially reduce premium costs through a bundled coverage discount.

Remember that some insurance companies offer a lower rate than those that offer a bundled policies discount, so you should not always assume that bundling will give you the best deal possible for your West Virginia food truck insurance policies.

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