Some coverage is required by law, and some is required by contract. Commercial auto insurance is legally required to operate your truck on public roads. Once you have employees, most states add a workers compensation requirement, and the U.S. Department of Labor lists the office that administers it in each state.
General liability coverage is usually not mandated by state law, but it is required by contract almost everywhere you want to serve. Festivals, private venues, commissaries, and municipal vending programs commonly require it before granting access. The legal minimum alone is rarely enough to operate a food truck business.
