Food Truck Insurance in Massachusetts
Massachusetts requires Workers' Compensation for food trucks. See the checklist below for the full breakdown and costs.
Massachusetts requirements
| Coverage | Required? | Minimum | Notes |
|---|---|---|---|
| Workers' Compensation | Required | Statutory | Required once you have W-2 employees; statutory limits apply. |
State regulator: Massachusetts Division of Insurance
Coverage checklist
| Coverage | Requirement | Annual cost |
|---|---|---|
| Commercial AutoCA | Required | $1,770–$4,130/yr |
| General LiabilityGL | Required | $531–$1,298/yr |
| Workers' CompensationWC | Required | $2,124–$5,900/yr |
| Commercial PropertyCP | Recommended | $944–$2,950/yr |
| Business Owner's PolicyBOP | Optional | $826–$2,124/yr |
| Inland Marine / Tools & EquipmentIM | Optional | $354–$944/yr |
| Professional Liability / E&OPL/E&O | Optional | $472–$1,062/yr |
Cost breakdown
- ·Truck value
- ·Driving radius
Required — a food truck is a commercial vehicle and needs commercial auto.
- ·Locations served
- ·Revenue
- ·Events
Required by most event organizers and commissary kitchens before you can operate.
- ·Payroll
- ·Crew size
Required once you have employees; burns, slips, and lifting injuries are common.
- ·Truck/equipment value
Often rolled into commercial auto or a BOP; covers the kitchen equipment and truck improvements.
- ·Commissary/storage
If you lease a commissary kitchen or storage.
- ·Equipment portable value
Covers portable equipment used off the truck.
- ·Allergen claims
Relevant for food-safety and allergen claims; sometimes included in food liability.
Best carriers for food truck
Food Truck insurance in Massachusetts — FAQ
Does a food truck need insurance?+
Yes. General liability is required by most event organizers and commissary kitchens, commercial auto is required for the truck itself, and workers' comp is required once you have employees.
How much does food truck insurance cost?+
A small food truck typically pays $450–$1,100 for general liability, $1,500–$3,500 for commercial auto, and $1,800–$5,000 for workers' comp. Total annual coverage often runs $4,000–$9,000.
Does food truck insurance cover food poisoning claims?+
General liability typically covers third-party food-poisoning claims, and many policies include product liability. Check that your policy explicitly includes food-borne illness coverage.
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