Do food trucks need commercial auto insurance?

Absolutely! 

  • Personal auto policies don’t cover commercial use—driving your food truck without commercial auto insurance can leave you financially vulnerable in an accident. 
  • Coverage protects against vehicle damage, third-party injuries, and theft while the truck—and your business—is on the road. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.