Stay compliant and ready to operate
Your food truck is both a vehicle and a business. Appropriate commercial coverage helps satisfy applicable requirements and protects the vehicle you depend on to operate.
A STREET SMART SPECIALTY
Food Truck Insurance in California
Protect your truck, your business, and the opportunities you’ve worked hard to build.
FREE · NO-OBLIGATION QUOTE
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POLICIES THAT MAY PROTECT YOU
Food truck protection combines several policies.
Start with the coverage you need. Our native forms send your request directly to Street Smart.
PROTECTION FOR YOUR BUSINESS
Why is food truck insurance essential?
Protect your business
An accident, injury, property-damage claim, or lawsuit can affect your truck, business, income, and assets. The right coverage helps protect what you have built.
Create more opportunities
Properties, venues, and event organizers frequently request a Certificate of Insurance before allowing a food truck to operate. We help you respond correctly.
COI SOLUTION CENTER
What is a Certificate of Insurance (COI)?
A COI is a document that summarizes important information about your insurance, including the carrier, named insured, policy numbers, coverage types, limits, and effective dates.
With more than 40 years of combined experience, our team specializes in complex certificate requests. Send us the requirements and we’ll help manage the process from beginning to end.
Requests may require:
- Additional insured status for property owners, managers, employees, agents, or volunteers
- Waivers of subrogation
- Higher coverage limits
- Specific coverage types or forms
- Customized wording and supporting endorsements
WE HANDLE THE DETAILS
How do we make COIs easier?
- 1
Send us the requirements
Forward the email, contract, sample certificate, or instructions you received.
- 2
We review the request
We identify the required coverage, limits, wording, endorsements, and supporting forms.
- 3
We manage the process
We help with the certificate, endorsements, waivers, and other necessary documents.
- 4
We check the details
We work to ensure the documents accurately reflect the approved coverage and requirements.
- 5
We deliver the documents
Once complete, we can send them to the property manager, venue, client, or designated recipient.
CUSTOMER REVIEWS
What our customers say
FAQ
Frequently asked questions
Is there one policy for a food truck?
Not necessarily. Food truck protection often combines several policies. The mix can include commercial auto, general liability, workers’ compensation, and coverage for equipment or property, depending on the operation.
Why would a venue ask for a Certificate of Insurance?
Properties, commissary kitchens, cities, and event organizers may ask for evidence of insurance, limits, or endorsements before allowing a food truck to operate. A certificate summarizes information such as the carrier, named insured, policy numbers, coverage types, limits, and effective dates.
Does commercial auto cover the kitchen equipment?
Do not assume that it does. Grills, refrigerators, generators, inventory, and other equipment may need separate coverage.
Can coverage start the same day?
In many cases, some carriers may offer a same-day effective date after receiving a complete application, required documents, underwriting approval and applicable payment. Availability is not guaranteed and varies by carrier, product and the applicant’s circumstances.
Focus on growing your food truck business.
Let Street Smart help with the insurance and certificate requirements.
In many cases, some carriers may offer a same-day effective date after receiving a complete application, required documents, underwriting approval and applicable payment. Availability is not guaranteed and varies by carrier, product and the applicant’s circumstances.