What is the best insurance for a food truck?

The best insurance for an Ontario food truck combines Commercial Auto with General Liability and specialized endorsements. You specifically need Reefer Breakdown coverage to protect perishable inventory from spoiling. Expect annual premiums between $2,500 and $5,500, depending on vehicle value, claims history, and operating radius.

Essential Food Truck Coverage Features

• Reefer Breakdown & Spoilage: Critical for refrigerated trucks; covers inventory loss caused by mechanical failure or temperature variance (limits typically start at $5,000).
• Commercial General Liability (CGL): Most Ontario municipalities and festival organizers require a minimum of $2,000,000 in liability coverage for public interactions.
• Inland Marine Floater: Insures high-value attached equipment like generators, fryers, and refrigeration units that are excluded from standard auto policies.

Secure your certificate of insurance before applying for municipal permits to avoid delays. Contact a specialist broker to verify your cooling unit specifications and receive a tailored quote today.