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Florida Workers' Compensation for Food Trucks

Name: Workers' Compensation Insurance for Food Trucks in Florida
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

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

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Why do Food Trucks in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Running a food truck in Florida is exciting but comes with risks. With employees constantly on the move, injuries from kitchen equipment or driving exposures are always possible. Workers' comp insurance protects your staff and shields your business from costly claims, keeping you rolling.

Common Food Truck injuries

Burns - from hot cooking surfaces and open flames
Vehicle accidents - collisions while driving the truck
Cuts - from sharp knives and tools
Slips - cramped spaces with spills can lead to falls
Strain injuries - from repeated cooking tasks

Workers' Comp for Food Trucks in Florida: Legal Requirements

In Florida, food trucks with four or more employees must carry workers' compensation insurance. Failure to comply can result in severe penalties, including fines and stop-work orders. Learn more about Florida Workers’ Compensation Rules here.

Common types of Food Truck workers we can insure in Florida

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 Truck workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Food Truck Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Food Trucks in Florida cost per month?

For food truck operators in Florida, workers' compensation costs around $30 per employee each month in 2025, based on a rate of $1.03 per $100 of payroll, plus taxes and fees. 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 in Florida.

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 Florida Food Truck

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

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

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Food Truck business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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 in Florida

Do part-time workers paid in cash need to be covered under workers' comp?

Yes, all employees—part-time or paid in cash—must be covered under your workers' comp policy.

My food truck is based in Florida but sometimes operates in Georgia. Do I need workers' comp there?

If you work in Georgia occasionally, you might not need extra coverage for short visits (under 10-15% of work time). For longer periods, you likely will. Keep clear records of time spent in each state and check with your insurance company.

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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

Document with workers' comp for food truck insurance quote surrounded by insurance icons

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 Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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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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