Insurance for Food Trucks and Mobile Food Vans
Public Liability cover up to $20 million
Competitive pricing with our Price Promise
Easy and professional claims support
Independent feedback based on verified reviews
Compare Quotes
From multiple insurers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
Compare Quotes
From multiple insurers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
Compare quotes from our trusted insurance partners:
On this page:
What is food truck insurance?
Insurance for food trucks helps protect on-the-go food businesses, including food vans and trailers, from the cost of everyday risk. It can help cover things such as third-party injury, accidental property damage, and theft. It helps manage unplanned expenses, like legal defence costs and compensation claims that could potentially disrupt or end your business.
Just because you’re always on the move, it doesn’t mean you can outrun business risks. Our insurance options are designed for mobile food businesses and can be tailored to meet legal requirements and your business needs—from sole traders to owners managing a fleet of food trucks.
Why do mobile food van businesses need insurance?
Mobile food vans may be legally required to have Public Liability insurance to work in council parks or on private property.
Business insurance provides essential protection for mobile food business against risks that come from operating in shared spaces or roadside locations and at busy events.
Car or commercial vehicle insurance may not cover many common business activities. Food truck insurance claims can arise from various risks, such as hot food spills, food poisoning, property damage, equipment damage, fire, or theft. That’s where business insurance can provide important peace of mind for food truck owners
Sell food or drink at public events
Do business on council or private property
Replace damaged equipment or machinery
Pay legal costs if you face a liability claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Who needs mobile food van business insurance?
Many mobile food van businesses can benefit from business insurance to protect their businesses, such as:
Food Trucks
Food Trailer Owners
Coffee Carts
Ice Cream Trucks
Lunch Wagon
Mobile Concession Stands
Mobile Catering Vans
Market Stallholders
Festival Vendors
What does food truck and coffee van insurance cover?
We offer a range of cover options designed to protect your equipment, stock, and income. Build an insurance package that suits your business needs and buy in minutes.
Basic food truck insurance options
Additional food truck insurance options
How much does mobile food van insurance cost?
Business insurance for food trucks, food trailers, and other mobile food businesses costs $50 per month*.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get customised cover that matches your business needs
Select different cover amounts for each policy, including Public & Products Liability up to $20 million and Money limits up to $30,000.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Your industry
Required coverage
Your turnover
Number of employees
Claims history
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get customised cover that matches your business needs
Select different cover amounts for each policy, including Public & Products Liability up to $20 million and Money limits up to $30,000.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
Add Business Details
Compare Quotes
Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See How Much Others Have Saved By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Food truck businesses are not required by law to have Public Liability insurance. However, a policy may be necessary to sell food at public events or on private property. This requirement may be written into the business contracts that you sign with festival organisers and other business owners.
Public Liability insurance is important for mobile food businesses, providing protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Examples of the types of risks your mobile food van business could face include:
– The awning of your mobile food van falls down causing injury to a customer;
– Food poisoning;
– Hot spills, scalding or foreign objects in the food you sell; or
– Property damage to a customer if you spill a drink on their designer bag or phone.
Public Liability is the most common type of insurance that food truck and trailer owners consider. It is often required to work festivals and events or to operate on council or private property. Food trailers, trucks, and vans may also consider Business Insurance Package options—such as Money, Machinery Breakdown, Theft, and Business Interruption—to help protect their business equipment and stock.
Food trailers that are not registered for road use and have a fixed address can be covered under Contents insurance (a Business Insurance Package option).
Mobile food trailers, trucks, and vans must be covered by commercial auto insurance. While BizCover does not offer this type of insurance, we can cover the business equipment and machinery stored inside.
Hear from our customers
Pretty good system. Easy to use.
Shane M, Mobile Food Van Operator
So easy to fill out the application process
Teresa H, Mobile Food Van Operator
Overall good service
Eranaga C, Mobile Food Van Operator
Super rapid to get a quote and purchase the insurance. Super easy to cancel it from what I have been told on the phone.
Sophie B, Mobile Food Van Operator
Real-life customer reviews verified by Feefo