How Much Does Food Truck Insurance Cost in Florida?

Thinking of hitting the road with your food truck in Florida? You're not alone—Florida is one of the hottest spots for food trucks, from Miami to Tampa to Jacksonville. But before you serve your first customer, there’s one crucial thing you’ll need: food truck insurance.

At Commercial Pro Shield Insurance, we often get asked, “How much does food truck insurance actually cost in Florida?” The short answer is: it depends. But don’t worry—we’re breaking it down so you know exactly what to expect and how to budget.

Average Cost of Food Truck Insurance in Florida

Food truck insurance in Florida typically costs between $2,000 to $4,500 per year. That breaks down to about $170 to $375 per month, depending on several key factors.

Here’s what can affect your premium:

1. Type of Coverage You Choose

A basic policy might only include general liability, which covers things like customer injuries or property damage. But many food truck owners opt for more comprehensive plans that include:

• Commercial auto insurance (covers your truck while driving)

• Equipment coverage (protects kitchen appliances and tools)

• Workers’ compensation (if you have employees)

• Product liability (in case of food-related illness or injury)

📌 Tip: A comprehensive food truck insurance policy in Florida is usually around $3,000 to $4,000 annually.

2. Value of Your Truck & Equipment

The more expensive your food truck and cooking equipment, the more you’ll pay to insure them. A fully outfitted truck worth $100,000 will cost more to insure than a converted van with minimal equipment.

3. Location & Operation Area

Operating in big cities like Orlando or Miami may come with slightly higher premiums due to increased traffic and liability exposure. Where you park, serve, and even store your truck matters to insurers.

4. Claims History & Driving Record

If you or your employees have a clean driving and insurance history, you'll likely pay less. Previous accidents, traffic violations, or insurance claims can bump up your premium.

5. Number of Employees

If you have staff, you’ll need workers' compensation, which adds to the cost. The more employees, the higher the premium.

Why Choose Commercial Pro Shield Insurance?

At Commercial Pro Shield Insurance, we specialize in food truck insurance tailored for Florida business owners. We understand the risks you face and offer:

✅ Affordable, customized policies
✅ Fast quotes and coverage
✅ Friendly experts who actually understand your business

Whether you're just starting out or ready to scale your food truck fleet, we've got you covered.

Final Thoughts

Getting the right insurance for your food truck in Florida isn’t just about staying legal—it’s about protecting your dream. Costs can vary, but the peace of mind? That’s priceless.

Ready to hit the road fully protected? Contact Commercial Pro Shield Insurance today and get your free quote in minutes.