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Workers' Compensation Insurance for Food Trucks

Policies for Concession Trucks, Lunch Trucks, and Mobile Food Vendors

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Why do Food Trucks need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Food trucks deliver convenience and culinary delight, but behind the scenes, the job is demanding and risky. From burns in confined cooking spaces to slips on slick floors, food truck workers navigate numerous hazards daily.

Workers' comp insurance helps cover medical expenses and lost wages, ensuring your team is protected while serving customers.

Common Food Truck injuries

Burns and scalds – Hot cooking surfaces, open flames, and hot oil pose significant risks
Cuts and lacerations – Sharp tools like knives and slicers can injure hands and fingers
Slips and falls – Small, confined spaces in trucks increase trip hazards from spills or clutter
Repetitive strain injuries – Constantly handling equipment and cooking can stress hands and wrists
Vehicle accidents – Operators face motor vehicle risks during transportation

Common types of Food Truck workers we can insure

Catering Trucks

Concession Stand

Ice Cream Trucks

Mobile Food Vendors

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Food Trucks workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Food Truck Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Food Trucks cost?

For food truck operators, workers' compensation costs around $30 per employee each month in 2025. This is based on $1.03 per $100 of payroll. Learn more in Workers’ Comp Rates for Food Trucks 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Food Trucks

Here are the main categories for classifying injuries in the food truck industry. For more details, visit our guide: Workers’ Comp Class Codes for Food Trucks.‍

9083 - Mobile Concession Stands‍

9083 - Mobile Food Services ‍

9083 - Food Trucks‍

9084 - Mobile Bars‍

9079 - Mobile Food Services (NJ and Texas) ‍

0897 - Food Trucks (PA and DE)

Don't see your business classification?
We're here to help. Call 866-338-8823.

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Helpful tips to save money

Choosing food truck workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Food Truck Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Food Truck Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Food Trucks

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Do part-time workers need workers' comp if they’re paid in cash?

Yes, all workers, including part-time and cash-paid employees, must be included in your policy.

How do my food truck’s driving and locations affect my workers' comp?

The more your food truck drives—like covering long distances or frequent trips—and the types of locations you operate in, such as fairs, construction sites, or busy parking lots, can cause an increase in price. Providing accurate details helps ensure your policy is properly priced.

State laws on Workers' Comp for Food Trucks

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Food Trucks?

Yes, we can help with that too!

Learn more about Food Truck Insurance

A food truck vendor handing a meal to a customer

Workers' Compensation Insurance for Food Trucks Cost | 2025

a food truck employee writing down the customers order

Workers Comp Class Code for Food Trucks: A Complete Guide

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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