Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 4 named markets · read 2026-10-28

Who insures food trucks and ice cream trucks?

Food trucks and ice cream trucks is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

4 markets publicly write food trucks and ice cream trucks: Progressive Commercial, FLIP (Food Liability Insurance Program, Veracity Insurance), NEXT (ERGO NEXT), Insure My Food Truck (Edgewood Partners Insurance Center). 2 admitted carriers, 2 program administrators.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Progressive Commercial
Admitted carrier		Food truck commercial auto, general liability, business owners policy and workers' compensation; dedicated ice cream truck page (https://www.progressivecommercial.com/business-insurance/professions/ice-cream-truck/: 'we can protect your truck and your ice cream business, too'); concession and food vendor insurance
“we offer flexible commercial food truck insurance policies to fit your unique needs.”		not statednot statedprogressivecommercial.com · read 2026-10-28
FLIP (Food Liability Insurance Program, Veracity Insurance)
Program administrator		Food truck general and product liability with optional commercial auto bundle and a food trailer endorsement; policy follows the business into other states; snow cone/ice cream stand vendors, food vendors, caterers; carrier not named
“FLIP's base food truck insurance policy includes the most essential coverages for your business”		nationwide ('FLIP Is Licensed Nationwide')not statedfliprogram.com · read 2026-10-28
NEXT (ERGO NEXT)
Admitted carrier		Commercial food truck insurance for mobile food and beverage businesses; NEXT is part of the ERGO Group (Munich Re); sold through Next Insurance, Inc., an insurance agency; issuing carrier not named on page
“ERGO NEXT specializes in commercial food truck insurance”		not available in all statesnot statednextinsurance.com · read 2026-10-28
Insure My Food Truck (Edgewood Partners Insurance Center)
Program administrator		Food trucks, food trailers and mobile food vendors since 2011; EPIC license in footer; carrier not named
“Insure My Food Truck is the market leader in gourmet food truck insurance.”		most statesnot statedinsuremyfoodtruck.com · read 2026-10-28

Thimble returned HTTP 403. Insure My Food Truck does not self-label; 'program administrator' is the nearest allowed label.

How food trucks and ice cream trucks gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

Check who's likely to insure yours

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A few minutes to request the quote; it reaches the markets that take food trucks and ice cream trucks, and the answers come back by email.

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