What insurance is required for a food truck in Georgia?

Food truck insurance in Georgia typically consists of a business owner's policy that includes general liability and property insurance. Combine food truck insurance policies to save money.

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UPDATED: Sep 15, 2020

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Sep 15, 2020Fact Checked

Here's what you need to know...

  • Your Georgia food truck business must comply with the state’s legal auto insurance requirements
  • Multiple types of business and employee insurance coverage are also needed, and you may bundle all of your policies to save money
  • While you could save money with a bundled coverage discount on your Georgia food truck’s insurance, you need to shop around to compare bundled and unbundled quotes before you decide how to proceed

As you prepare to launch your Georgia food truck business, you may be dreaming about turning a great profit while delighting your customers with all of your delicious menu options. You may also be excited to be your own boss and even to have a team of staff members working under you.

As wonderful as running a food truck business in Georgia may be on most days, there inevitably will be numerous challenging days that put you and your business at risk.

Any time you drive a food truck through Georgia streets, you could be involved in a car accident. Perhaps you or employees is injured on the job, or one of your customers is injured while standing under your food truck’s awning.

These are only a few of the many risk factors that you need to consider, and you should also explore some of the Georgia insurance products available to address these risks. Make sure to compare rates with our free quote tool above today! 

Keep in mind that buying insurance for your Georgia food truck is not optional. Auto insurance, as well as several types of business and employee insurance, may be required for most food truck businesses.

As you finalize your business plan for your Georgia food truck business, incorporate premium expenses for the insurance products you need or want into the plan.

Coverage Available for Food Trucks in Georgia


As you begin exploring some of the many insurance products available for food truck businesses in this southern state, you may be wondering which coverage options are needed versus optional.

By learning more about each type of food truck insurance product available, you can better prepare for premium expenses for your portfolio of insurance policies.

Commercial Auto Insurance

All vehicles in Georgia must comply with the state’s minimum auto insurance requirements. This is liability coverage that pays other parties for damages you cause while driving.

The minimum liability insurance requirements for this state include $25,000 per person and $50,000 per accident for bodily injury liability as well as $25,000 per accident for property damage liability.

Because the state’s minimum requirement for auto insurance does not provide you with any compensation for your own vehicle repairs or other expenses in the event of an accident, some food truck owners in Georgia may benefit from buying additional coverage.

Hired and Non-Owned Auto Insurance

If you are leasing a food truck in Georgia rather than buying your own vehicle, a different type of insurance needs to be bought to provide you with the liability coverage you need.

Hired and non-owned auto insurance in Georgia can meet the state’s liability needs for leased commercial vehicles.

Collision Coverage



Georgia does not have a legal requirement for collision insurance, but your food truck lender may require you to buy this type of auto insurance.

While liability insurance on your food truck in Georgia pays for damages you cause for others while driving, collision insurance pays for your truck’s repair work.

Keep in mind that collision insurance in Georgia only provides you with financial benefits if you are involved in a collision accident.

Comprehensive Coverage

A collision is not the only type of incident that could result in damage to your food truck. For example, you may hit wildlife while driving, suffer food truck damage during a heavy rainstorm, and more.

Comprehensive insurance is not a legal requirement in Georgia, but when collision insurance is not required by a food truck lender, comprehensive insurance usually is.

General Liability


General business liability insurance is required for many Georgia businesses, and this coverage works in a different way than auto liability does.

Auto liability insurance on a food truck provides benefits related to the movement of the truck, but you may face other liability risks associated with the operation of your business.

One example of a potential business liability issue is if one of your food truck signs falls and injures a customer.

Property Insurance

One or two different types of property insurance may be relevant to your situation as well. With your auto policy on your Georgia food truck, you may add a personal property option to the policy.

This personal property insurance gives you coverage for appliances and other items of value inside the truck, and it protects you from losses related to theft, damage, and more.

While some Georgia food truck owners drive around to different locations on a regular basis, others park their truck in a single area and rarely move the truck.

This land may be fully developed with a sound system, lighting, an outdoor deck for dining, and more. These improvements may be covered by a real estate insurance policy.

Workers’ Compensation

If your Georgia food truck business hires staff members on a part-time or full-time basis, you may need to obtain workers’ compensation insurance.

This is a special type of employee insurance that offers your injured staff members with benefits. Benefits may include compensation for medical expenses, wages lost while recovering from a workplace injury, and more.

Umbrella Policy


An optional employee benefits coverage option is to buy an umbrella policy for your Georgia food truck business.

An umbrella policy also offers benefits that extend beyond employee insurance, and this may be a cost-effective way for you to meet many of your food truck business’s insurance needs and to address any potential liability issues or other food truck business risks.

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Bundling Your Georgia Food Truck Insurance

As a Georgia food truck owner, you may primarily be focused on making your business as profitable and successful as possible, and a key aspect to boosting profits is containing costs.

You could buy your coverage from multiple providers, or you could potentially take advantage of a bundled policies discount when you buy most or all of your food truck insurance policies from the same provider.

There are no guarantees that bundling your coverage is always the best option available, so consider shopping around and comparing both bundled and unbundled coverage from multiple providers before you decide what your best insurance options are. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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