Food Truck Insurance Brokers

Insuregroup acts as insurance brokers for mobile food businesses, helping arrange food truck insurance through a network of insurers. We assist operators in reviewing options suited to their vehicle setup, equipment and trading environments.

We work with a range of insurers and specialist heavy vehicle underwriters, including Zurich, Allianz, Lloyd’s, QBE, CGU, NTI, GT Insurance and UAA. (Policy terms and availability subject to underwriting assessment).

Why hospitality operators trust Insuregroup

Founded by Stirling Sanderson, Insuregroup (AFSL No. 525491) has supported Australian mobile businesses and commercial vehicle operators since 2014. With more than 15 years of industry experience, Stirling understands the unique challenges faced by food truck owners, from travelling between events and trading locations to protecting cooking equipment, stock and business operations on the move. Drawing on a family legacy connected to the establishment of UAA, he brings extensive knowledge across commercial vehicles, transport risk and specialised business operations.

We’ve assisted a wide range of hospitality and mobile food operators across Australia, including coffee vans, catering businesses, festival vendors and established food truck fleets. Having supported more than 1,000 insurance policies nationwide, we understand the insurance considerations that can come with operating a mobile hospitality business, including vehicle usage, equipment, public interaction and downtime risks. As a licensed and regulated Steadfast Group brokerage, Insuregroup provides tailored guidance and ongoing support designed for businesses operating within the fast-paced hospitality and events sector.

MONTHLY INSTALMENTS

Flexible payment plans may be available to help manage your cash flow while maintaining ongoing insurance coverage.

EXPERT ADVICE

Our team has over 10 years of experience assisting hospitality and mobile business owners in finding appropriate cover for specialised commercial vehicles.

QUICK QUOTES

We provide fast access to food truck insurance quotes online or by phone, so you can receive quotes quickly and minimise disruption to operations.

RANGE OF OPTIONS

We source and compare policies from multiple Australian insurers to help you select options suited to your unique business needs.

POLICY GUIDANCE

We help mobile hospitality businesses understand policy terms, inclusions and exclusions so they can make informed insurance decisions.

CLAIMS SUPPORT

If a claim occurs, our brokers assist with the process and work with insurers on your behalf.

Real Customer Reviews

Ready to get a quote?

Submit your details online in minutes. Our brokers will review your information and provide a range of available cover options based on how your business operates.

Start Your Quote

What is Food Truck Insurance?

Food truck insurance is a type of commercial vehicle insurance designed for mobile food and beverage businesses operating from trucks or trailers. At Insuregroup, we help food truck operators explore insurance options through a network of insurers and assist in arranging cover suited to their setup, equipment and trading locations.

Types of Food Trucks That Can Be Insured

At Insuregroup, we support businesses across Australia in exploring insurance for a single food truck, or several, that suits their unique setup.

Vehicle types and applications that may be considered include:

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Coffee vans

For mobile espresso and hot drink service at markets or events.

Grill or BBQ trucks

Equipped for high-heat cooking such as burgers, kebabs or smoked meats.

Dessert and ice cream trucks

Used for frozen treats and sweets at festivals or public spaces.

Custom food trailers

Designed for stationary or semi-permanent event-based service.

Multi-cuisine food trucks

Fitted with multiple appliances for diverse menus and high-volume trade.

Vintage or retro food vans

Restored vehicles serving at weddings, functions or brand activations.

Modified mobile kitchens

Uniquely configured units assessed based on compliance, gas use and setup.

Whether you’re a solo operator or manage a fleet of mobile vendors, Insuregroup can help you explore food truck insurance costs in Australia and review policy features that reflect your business size and service model.

As a member of the Steadfast Group, we access a wide network of insurers, helping you identify and explore cover options for your vehicle, equipment and trading risks.

Industries and businesses we work with

At Insuregroup, we help mobile food businesses explore insurance options for vehicles used in food preparation and service.
Our clients typically include:

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Independent food truck operators serving local events and markets

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Mobile cafés and beverage vans

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Catering businesses operating food trucks for festivals and functions

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Hospitality businesses expanding into mobile food service

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Event and pop-up food vendors operating commercial food vehicles

What does Food Truck Insurance cover?

Mobile food truck insurance is generally designed to help protect against a range of potential losses tied to vehicle operations and food service.

Cover types vary between providers, but may include:

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Accidental damage, theft or fire involving the vehicle

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Public liability for food-related incidents or third-party claims

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Breakdown or failure of cooking and refrigeration equipment

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Weather or event-related disruption (where applicable)

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Glass or windscreen repair or replacement

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Contents or stock cover for food, packaging and consumables

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Optional extras such as business interruption or temporary hire vehicle

Insuregroup works with you to identify policy features that reflect your cooking method, equipment setup and trading locations. We can help you obtain quotes for food truck insurance that reflect your typical trading risks.

What does Food Truck Insurance not cover?

As with all insurance products, insurance on food trucks has defined limitations and exclusions. Being familiar with these helps reduce uncertainty at claim time.

Common exclusions may include:

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Use of the truck by unlicensed or unlisted drivers

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Mechanical failure not tied to an insured event

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Operating without a valid food or council permit

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Lack of maintenance or unsafe vehicle modifications

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Food spoilage not related to covered events

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Events occurring outside the period of insurance

Refer to the Product Disclosure Statement (PDS) for complete terms and conditions. Insuregroup can assist you in reviewing the PDS to ensure you understand the scope of your food truck insurance cover.

Request An Online Food Truck Insurance Quote

Please select from the options as required. You can select one or more options.
Complete the form below to receive a quote.
Completing the form usually takes 5 minutes.
Having trouble with the form? Contact Insuregroup click here

Step 1 of 2

Name(Required)

First Last

Phone(Required)

Email(Required)

Do you have an active ABN?(Required)

Please advise your ABN(Required)

Please select your occupation(Required)

What do you transport?(Required)

What do you construct?(Required)

Do you transport dangerous goods?(Required)

Do you transport refrigerated?(Required)

What sort of tradesman are you?(Required)

What do you manufacture?(Required)

What sort of drilling do you do?(Required)

Please describe your occupation(Required)

How many employees in your business? (Including working directors/owners)(Required)

How many items are you looking to insure?(Required)

Please describe the TRUCKS / TRAILERS / MACHINERY / VEHICLES you are looking to get insured. Please include as much detail as possible including YEAR MAKE MODEL REGO (if available) AND VALUE EXCLUDING GST. Please also include the item TYPE such as prime mover, crane, excavator, tipper truck, skip truck. Thankyou.(Required)

Did you include the ex gst value of the items in the description above?(Required)

Where are these items mostly garaged/stored?(Required)

Street Address Suburb Postcode

Are you currently insured for any of the above items?(Required)

Are you with an insurer directly or with an insurance broker?(Required)

Do you know who your insurer is?(Required)

Do you know who your insurer is? (not the broker)(Required)

Please advise who your insurer is(Required)

Please advise the insurance status of the above items(Required)

Do you have insurance on any other similar items currently?(Required)

Have you held insurance on any other similar items in the last 3 months?(Required)

Do you intend to dry hire (without operator) any of these items in the next 12 months?(Required)

Will you ensure to have a hire rental agreement / formal terms and conditions for the dry hire?(Required)

Do you need a quote for public liability insurance?(Required)

Do you need a quote for carriers / load insurance?(Required)

Have you or any of your operators/drivers or subcontractors had any criminal convictions which are less than 10 years old(adult), 5 years old (juvenile) or if outside of these years any convictions that have had a prison sentence greater than 30 months?(Required)

Have you or any partners or directors ever been declared bankrupt in the last 10 years?(Required)

Have you or any partners/directors had any policies cancelled/declined or special terms imposed?(Required)

Have you (company and/or director), or any person who will drive any of your vehicles / plant had any motor claims or accidents in the last 5 years?(Required)

In the past 5 years have you or any of your drivers had:- any license suspended, cancelled or amended to provisional; or any alcohol or drug conviction; or any dangerous driving offence; or any offence involving or interfering with a speed limiter?(Required)

How urgent is the insurance?(Required)

How did you hear about Insuregroup?(Required)

If you have the purchase invoice for the items or any documents relevant you can upload them here

Max. file size: 128 MB.

Would you like to make any further comments before submitting the request? We will send you an email as soon as possible.(Required)

Please enter your comments/requests here(Required)

Our
Process

The Insuregroup insurance process – insurance solutions on demand.

We’ve streamlined our process to make arranging insurance fast and straightforward. Simply complete our online quote form with a few details and we’ll compare options from our network of insurers. Most quotes are turned around within 24 hours.

01

Submit a Quote Request
Online or Call Us Directly

Start by submitting a quote request through our online form or by calling our team. Provide your business and vehicle details, and we’ll begin sourcing the most suitable food truck insurance options for you.

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02

We Source
Competitive Quotes

We search a wide network of reputable insurers to find the most competitive and relevant policies for your food trucks, drivers and goods – typically within 24 hours.

03

Receive a Clear,
Detailed Quote Summary

We present the available options in a clear, easy-to-understand email summary, outlining coverage, pricing and key inclusions tailored to your needs.

04

Finalise
& Get Covered

Once you’re satisfied with the recommended policy, simply accept the quote. We’ll handle the paperwork and activate your cover quickly – often on the same day.

Frequently Asked Questions

Does food truck insurance cover liability for food poisoning or allergic reactions?

Many food truck insurance policies include public liability cover, which may help protect you if a customer alleges illness or injury due to your food or service, such as food poisoning or an allergic reaction.

Coverage typically applies to third-party claims arising from your business activities, though it’s important to understand any exclusions or conditions, such as the need for clear allergen labelling or safe food handling practices. Our team can help review policy details so you understand where liability cover starts and stops.

What does food truck insurance cost in Australia?

Food truck insurance cost Australia depends on factors such as vehicle type, cooking method, equipment installed, trading frequency and claims history. For an accurate quote, we recommend contacting our team with your details for a personalised assessment.

Does food truck insurance include cover for food spoilage or equipment damage?

Some policies may offer cover for refrigerated stock loss or cooking equipment damage caused by insured events like fire or electrical failure. Not all policies include this as standard, so it’s worth reviewing these features before deciding on an option.

How can I get a quote for food truck insurance?

You can request a quote through our online form or by calling our team. We’ll ask a few key questions about your vehicle, setup and business activities before presenting options appropriate to your needs. We can then support you to review these in detail as needed.

How long does the process take?

We believe in providing our customers with excellent customer service and to guarantee you the most targeted service we strive to respond to your needs with upmost urgency. Our team can generally turn around a quote and bind a policy within 24 hours.

Can you produce certificates of insurance immediately?

Yes, we can provide electronic certificates of insurance for you in a prompt and timely manner. We do require payment prior to issuing the certificates, however.

Does Insuregroup shop around extensively?

Insuregroup has access to over 100 insurance markets available to us both nationally and internationally. We regularly scour the markets on our system to ensure that we are quoting the most cost effective and cover competitive crane insurance that the market has to offer. We understand that your needs are unique and we will deliver an insurance product that is tailored to suit you.

What if I need to know more about insurance covers?

Choosing an insurance policy is a significant investment – it is important that we deal with customers in an open and transparent way. If you feel you would like to learn more, we welcome you to give us a call on 1300 760 552 so our friendly team can answer any queries you may have.

Food Truck Insurance Guides & Resources

View our latest guides on truck insurance, regulatory considerations and managing risk in transport operations.

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Insuregroup: Experts in Insurance

Specialist insurance broker
Exclusive coverage and premium rates
Access to over 100 national insurance markets

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