What insurance is required for a food truck in Pennsylvania?

Typically, Pennsylvania food truck owners pay $105/mo for a business owner's policy that includes general liability and property insurance. Food truck insurance rates in PA will vary and are based on many factors.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Pennsylvania has set specific requirements for insuring your food truck
  • You will need to meet requirements for permits each year that you have your food truck
  • Pennsylvania food truck owners pay $105/mo for a business owner’s policy
  • Your business plan should include possible parking locations for your food truck since Pennsylvania has strict requirements

Having a business plan for your food truck will better prepare you for what you will need to do for your food truck. You should include everything you think you will need when you create your business plan.

Consider the location you are going to have your food truck business within the state of Pennsylvania. Some of the larger cities, like Pittsburgh and Philadelphia, will require you to meet different food truck regulations.

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Planning it Out

If you have everything you need in one place, it will be easier to start your business. The business plan needs to, at least, include these items:

  • A list of requirements to open your food truck in Pennsylvania
  • What you plan to sell from your food truck
  • Cost and profit analysis
  • The different types of insurance you will have to have for your truck

Pennsylvania’s Department of Agriculture has specific guidelines you will need to follow.

The requirements for mobile food facilities are similar to permanent food facilities, but you must meet each of the requirements to continue legally operating your food truck.

Most municipalities will treat your food truck as if it were a permanent dining establishment which can make things harder on you. Things like hygiene practices, hazardous material handling, and insurance requirements are all covered.

The most important thing for your food truck in Pennsylvania is to stay compliant with food safety procedures. The state requires you to keep your food at certain temperatures, educate staff on hygiene practices, and use proper food handling.

Insuring your food truck is a requirement in Pennsylvania because your truck will be on the road most of the time. You need to also consider business insurance and employee insurance options.

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What kinds of insurance do I need for my food truck?

In general, you will need different auto insurance policies, business coverage, and employee coverage in Pennsylvania. Typically, Pennsylvania food truck owners pay $105/mo for a business owner’s policy that includes general liability and property insurance.

The insurance laws in Pennsylvania were created to primarily involve liability so you will be protected in case something happens to your business during operation.

There are different auto insurance policies that will be required for most vehicles in Pennsylvania. Since there are requirements outlined by the Department of Agriculture, you will need to be sure the insurance for your food truck meets each of them.

It is important to carry the right type of insurance on your food truck in Pennsylvania because the fines for not having insurance can be more expensive than in other states.

Commercial Auto Insurance for Food Trucks

Any vehicle that is on the road will need an auto insurance policy. Pennsylvania law requires commercial insurance be purchased separately from your personal insurance policy because of the higher limits required for commercial insurance.

Coverage for Comprehensive

If your truck is damaged by an animal, some act of nature or the glass on your vehicle breaks, comprehensive will cover it. It will also cover theft and fire. While it is not a Pennsylvania requirement, you should consider comprehensive insurance.

Covering the Business Part of Your Food Truck

Auto insurance in Pennsylvania can only cover so much. If you want to protect your business, you will need to create an insurance policy with business coverage. Pennsylvania law has required minimums for all Pennsylvania businesses.

  • General Liability Policies – A general liability policy will cover you if someone is hurt or something is damaged as a result of your business, yourself or your employees while doing business. This policy will help prevent you or employees from being sued.
  • Cover Your Property – The items inside of your food truck plus any items you keep in storage are all property of the business. Business coverage should cover the property apart from your physical truck.

Workman’s Compensation

Federal laws dictate the worker’s compensation requirements, but state-specific requirements are in place in Pennsylvania. The worker’s compensation act in Pennsylvania requires you to protect your employees if they are hurt physically or mentally while working for you.

Umbrella Coverage

Catastrophic events happen and umbrella coverage can protect you if they do. This is an extra insurance coverage option you can choose as long as you are looking for different insurance options with companies while comparison shopping.

Creating Insurance Bundles

Insurance agents in Pennsylvania can help you save money by bundling your policies. You can benefit from bundling because it will save money.

Shopping around is one of the easiest ways to help yourself find the right type of insurance bundles for your food truck.

Pennsylvania does not have requirements for bundling your policy, but some insurance agencies may require you to choose additional coverage options if you are planning on bundling the policies you have.

Pennsylvania insurance requirements may cost more than what you were initially planning for your business. If you know what to expect and what your options are, you can be better prepared while you are shopping around for insurance.

Bundling your policies is one of the easiest ways you can save money because most insurance agencies offer that as an option.

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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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