Food & Hospitality

Food Truck Insurance in Ontario

A restaurant at highway speed needs both kinds of coverage.

A food truck is a commercial vehicle and a commercial kitchen sharing one VIN — auto coverage for the road, food and premises liability for the window, equipment for the cookline, all interlocking.

We build food truck packages that close the classic gap between the auto policy and the business policy.

What the package includes

Commercial auto for business vehicles
Commercial general liability (CGL) for third-party injury and property damage
Product liability for goods you make, sell, or distribute
Cooking equipment coverage including while in transit
Spoilage coverage for refrigerated stock

Good to know

Frequently asked questions

Does my truck's auto insurance cover the kitchen equipment?: No — auto covers the vehicle and driving liability; the cookline, generator, and stock need business property coverage, and serving customers needs CGL. The package exists because neither policy alone is enough.
How much does food truck insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get food truck insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

More industries

Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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Frequently asked questions

Does my truck's auto insurance cover the kitchen equipment?

No — auto covers the vehicle and driving liability; the cookline, generator, and stock need business property coverage, and serving customers needs CGL. The package exists because neither policy alone is enough.

How much does food truck insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get food truck insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.