Commercial Food Truck Insurance

The Food Truck Insurance Florida Needs

Here in Orlando, the food truck business is booming. But keeping your kitchen on wheels running takes more than a great menu, a reliable team, and a good parking spot.

Food trucks face a unique mix of risks. You have the everyday concerns of a food business, such as customer injuries, food-related claims, equipment damage, and employee injuries. But you also have the added risks of driving, setting up in different locations, working events, and keeping your truck ready to serve.

That’s why food truck insurance needs to be built around your actual business—not copied from a standard restaurant policy and called “close enough.”

At Harry Levine Insurance, we help Florida food truck owners understand their coverage options and connect with policies that make sense for the way they operate. Whether you’re launching a new food truck or looking for better coverage options, we’ll help you protect the business you’ve worked so hard to build.

See What's On the Menu

From commercial auto to liability coverage, we help you review the policies that may belong in your food truck insurance plan.

Coverage a la Carte

Because we’re not limited to one insurance company, we can help source the market for coverage options that fit your business.

Now Serving

Our friendly, knowledgeable staff is ready to answer questions, explain your options, and help you move forward with confidence.

Guidance You Can Trust

You know food. We know insurance. With more than 30 years in the industry, we’re here to help you protect your business.

Reach Out Today

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What Does Food Truck Insurance Cost?

Your insurance needs are as unique as your menu—so your premiums will be, too. There’s no one-size-fits-all pricing when it comes to commercial food truck insurance, but understanding what influences your costs can help you make smart decisions about coverage.

Several key factors affect your food truck insurance costs, including:

Truck size and equipment – The value of your truck and its equipment can affect your premium.
Location(s) and driving range – Operating in multiple Florida cities or high-traffic areas may impact your commercial auto rates.
Type of cuisine and cooking methods – Deep fryers, open flames, or alcohol sales can increase liability risks.
Number of employees – More staff may mean higher workers comp premiums and increased exposure to claims.
Claims history and safety record – A clean record can help reduce costs, while past incidents may drive premiums up.
Coverage choices – The more protection you choose, the more you’ll pay, but the better prepared you’ll be for unexpected events.

At Harry Levine Insurance, our goal is to help you find the right balance between cost and coverage. We take the time to understand your business, compare policies, and make sure your insurance not only fits your budget, but (most importantly) protects food trucks like yours where it matters most.

Commercial Food Truck Insurance Built Around Your Business

Cookie cutters belong in your kitchen—not your insurance policy!

At Harry Levine Insurance, we understand that your insurance needs are different from the average restaurant or catering company. For one, offering a mobile food service means that food truck owners are exposed to a wider variety of risks.

Commercial food truck insurance isn’t one single policy. Your truck is a vehicle, your kitchen has equipment, your customers create liability exposure, and your employees may bring workplace injury risks.

Do you drive the truck yourself, or do employees drive it? Do you serve at recurring locations, private events, festivals, or all of the above? Do you own expensive cooking equipment? Do you need certificates of insurance for venues or event organizers? Do you sell alcohol, use fryers, or operate with a trailer?

That’s why sourcing the right insurance for a food truck involves more than combining general liability coverage with a commercial auto policy and calling it a day.

That’s why we take the time to discuss the needs of business owners so we can help build the network of coverage that’s right for you.

The Coverage You Need On Your Terms

Finding the right insurance coverage to protect your business means addressing the full range of risks that threaten your livelihood—from equipment damage to lost wages and medical costs. Our agents will guide you towards the carriers and policies that make the most sense for you.

We offer a wide range of business insurance policies, including:

General Liability Insurance
Commercial Auto Insurance & Fleet Coverage
Commercial Property Insurance
Business Interruption Insurance
Liquor Liability Insurance
Food Contamination Insurance
Inland Marine Insurance
Employee Theft Insurance
Workers Compensation Insurance
Professional Liability Insurance
Employment Practices Liability Insurance
Data Breach/Cyber Liability
And More!

Insurance That Keeps You Going

Running a successful food truck involves more than a great menu, helpful staff, and a kitchen on wheels. You also need the right coverage to ensure you can keep feeding Orlando for as long as you want.

For more than 30 years, Harry Levine Insurance has been setting the standard for insurance in the Central Florida area and we are proud to be one of Orlando’s top insurance agencies.

Our dedication to insurance is rivaled only by our love for local eateries. We’re not just your friendly neighborhood insurance agents—we’re your customers, too!

If you’re looking for a food truck insurance quote or curious about your coverage needs, give us a call. We’ll take the time to discuss your unique needs and goals to build a network of coverage that’s right for you, including options for additional insureds when required.

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