How much is food truck insurance in Ontario?

Food truck insurance in Ontario typically costs between $2,500 and $5,000 annually. This total combines Commercial Auto coverage for driving risks and General Liability for business operations. Rates fluctuate based on kitchen equipment value, driving history, and limits selected for refrigerated stock spoilage.

Key Cost Factors & Coverages

• General Liability ($2M): Essential for event permits; covers customer injuries, slips, and food poisoning claims.
• Equipment & Spoilage: Protects expensive kitchen appliances and covers inventory loss if refrigeration units fail due to mechanical breakdown.

Request a quote with your detailed equipment list to ensure proper valuation. Working with a specialized broker can help you navigate specific health and safety requirements for mobile food businesses.