Food Truck and Mobile Food Vendor Insurance

Providing Business Liability Insurance in Austin, Round Rock and All of Central Texas

At Sunstone Insurance Agency, we specialize in insurance solutions designed for food trucks and mobile food vendors. Protect your business with the right combination of policies. Call us today, and let us help you identify your risks, and find a food truck liability policy, food truck package policy, or a combination of property and liability policies for your food truck business.

Insurance Coverages Available For Your Food Truck Business

General Liability

This insurance protects you from claims of bodily injury or property damage to third parties. This is typically injuries or property damage to customer or visitors to your business created by your negligence or the presence of dangerous conditions. General liability for food trucks is an essential coverage for your business. In addition to being good business, general liability insurance for your food truck business may be required by your parking spot contract or commissary. At Sunstone Insurance Agency, we help you review your contract requirements to make sure you meet or exceed the contractually required insurance coverage for your food truck business.

Does your food truck general liability policy include products liability and coverage for contamination? What happens if a customer gets sick from your food? Does your mobile food vendor insurance policy protect you from that scenario? Not all policies are the same, and the savvy food truck business owner reviews critical exclusions and coverage options with their broker. At Sunstone Insurance Agency we advise you through the process of buying food truck insurance. We don’t send you to an online application, and sell you a policy that barely fits your food truck insurance needs. We work with you, to help you find the right mobile food vendor liability insurance at the right price.


Texas Commercial auto insurance

Commercial auto insurance protects the business from auto liability claims.  This is essential food truck liability insurance if your truck is moving from location to location.  Additionally, commercial auto insurance for food trucks can provide comprehensive coverage for all permanently attached equipment.

Inland Marine Insurance

Inland Marine provides insurance for your mobile food vendor equipment that is not permanently attached to the vehicle.  It provides coverage not found in a commercial auto policy for your food truck.  It usually provides coverage from a broader category of losses, and may have a smaller deductible. This is ideal if you have expensive equipment on the move.

Workers Compensation

Workers compensation insurance for food trucks provides coverage for injuries sustained by employees.  This is excluded under the general liability policy, and is essential coverage when you have employees.


A food truck crime policy provides coverage for employee dishonesty, loss of money, and theft of customer property.  As a food truck owner, you have employees handling a lot of cash and credit card transactions.  Protect your business from these exposures with a good crime policy.

Cyber Insurance Coverage

Cyber coverage is still very inexpensive for the huge losses it covers.  No business is safe from lost customer data, or business data lost due to hacks and ransom.  Cyber coverage provides first party cover for the loss to the business, third party cover for damages due to a breach of customer data, and notification expenses in the event of a breach.

Let Sunstone help prepare your food truck insurance application.

The insurance industry sees the rising popularity of mobile food vendors.  Cities like Austin are encouraging and promoting the presence of food trucks and mobile food vendors.  With substantially lower entry costs than brick and mortar, it allows entrepreneurs like you to get your craft out to the public.

Multiple insurance companies have seen the demand and have created programs tailored to the food truck insurance industry.  Each company has its own submission requirements and applications.  At Sunstone we help simplify the process and prepare your submission to send to multiple insurance companies for review.

We believe the application process is critical to identifying your needs, and locating the correct food truck insurance policy for you.  That is why we work with you through this process.

Food Truck Insurance Cost

One benefit to the abundance of food truck insurance programs is the ability to secure insurance for your mobile food vendor business without breaking the bank.  Insurance for mobile food vendors is increasingly cost effective.  We shop your business to multiple insurance companies, leading to the cheapest food truck insurance policy while still maintaining great coverage.

Food Truck Insurance in Texas

At Sunstone, we offer statewide, and in some cases, multi-state options for your food truck or mobile food vendor insurance.  We are centrally located in Austin and Round Rock, Texas, but we help mobile food vendors place their insurance in the surrounding area as well.  Let us help you place your Houston food truck insurance, your San Antonio food truck insurance, or any other place.  You are mobile, we serve you where you are.

Maryam Ati
Maryam Ati
20:44 12 Jul 21
Tami Goode
Tami Goode
21:48 18 Feb 20
Rhett and Debbie are efficient, friendly, and informative! They have excellent customer service and a very quick turnaround.
Cindy Brummer
Cindy Brummer
23:36 17 Feb 20
Rhett, Debbie, and the team at Sunstone are my go-to. They make sure I have the right amount of coverage for my company and that I'm not overpaying. When I need documents or have questions, they are quick to respond and help me. For example, when I needed to increase cyber coverage last year, they did the research quickly, let me know my options, made a recommendation, and we were able to increase coverage. Even better bonus -- the increase wasn't as much as I had expected. Woo-hoo!
William Hines
William Hines
18:27 21 Sep 15
I highly recommend Rhett Braniff for you insurance and risk management needs.I have known Rhett for a long time, so I trusted him with my insurance. Insurance for my business is important to me, and I wanted to make sure I was properly covered. When my policies were coming up for renewal, I asked Rhett to review them. After looking them over, Rhett was able to identify some key areas of my coverage that needed attention. He presented me with several options that allowed me to get great coverage that fit our budget. I secure with my insurance, and I didn’t have to spend a lot to do it.Most of all, Rhett made it easy. He broke down the various coverage areas in easy to understand language, and was able to answer all of my questions. Rhett was sensitive to my time constraints, and didn’t unnecessarily burden me with the process.I recommend Rhett for all your personal or commercial insurance needs.

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