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Food Truck Insurance

General Liability, Commercial Auto & Product Coverage for Oregon Food Trucks

About Food Truck Insurance

Food trucks face a unique combination of insurance risks — the vehicle itself, the commercial kitchen inside it, the food products you serve, and the public locations where you operate. Standard auto insurance and homeowner\'s insurance are not designed for food truck operations.

Gerald Ross Agency helps Oregon Coast food truck operators find comprehensive coverage including commercial auto, general liability, product liability, and commercial property insurance for their mobile food businesses.

Gerald Ross Agency

Why Choose Gerald Ross Agency?

  • Independent agency — we work for you
  • Explore coverage options for your needs
  • Local Oregon Coast insurance guidance
  • Serving Oregon Coast since 1937
  • Help comparing coverage and policy terms
  • Personalized service and claims advocacy

What's Covered

Commercial Auto

Covers your food truck vehicle against accidents, theft, and damage while driving.

General Liability

Covers third-party bodily injury and property damage claims at your service location.

Product Liability

Covers claims arising from illness or injury caused by your food products.

Commercial Property

Protects your cooking equipment, supplies, and inventory inside the truck.

Equipment Breakdown

Covers repair or replacement of cooking equipment that breaks down.

Workers\' Compensation

Covers medical expenses and lost wages for employees injured on the job.

Independent
Agency
Local
Oregon Coast
Choice
Coverage Options
Personal
Service

How to Get Coverage

Contact Us or Request a Quote

Call Gerald Ross Agency at (541) 469-3144 or submit an online quote request. Our agents will gather details about your business and coverage needs.

We Shop Multiple Carriers

As an independent agency, we compare rates from 50+ top-rated insurance carriers to find the best coverage at the most competitive price for your business.

Review Your Policy

We'll walk you through your coverage options, explain what's included, and help you choose the right policy limits and deductibles for your situation.

Ongoing Service & Claims Support

Our team is here for you throughout the life of your policy — for renewals, coverage changes, and claims advocacy when you need it most.

Get A Free Quote
Food Truck Insurance insurance Oregon

Frequently Asked Questions

Common questions about this coverage in Oregon.

What insurance does a food truck need?
Food trucks typically need commercial auto, general liability, product liability, commercial property, and workers\' compensation insurance.
Can I use personal auto insurance for my food truck?
No. Personal auto insurance excludes commercial use. You need a commercial auto policy that covers your food truck as a business vehicle.
Does my food truck insurance cover me at events?
Yes, if you have general liability coverage. However, some events and venues require you to add them as additional insured on your policy. Check the requirements before each event.
What is product liability for a food truck?
Product liability covers claims arising from illness or injury caused by your food products, including food poisoning, allergic reactions, or foreign objects in food.
How much does food truck insurance cost in Oregon?
Food truck insurance typically costs $2,000–$5,000 per year, depending on the vehicle value, revenue, and coverage limits. Contact Gerald Ross Agency for a personalized quote.

Still have questions? Contact our team for help.

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Get in Touch

Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.

Bend, Oregon Old Mill District
BEND — SISTER AGENCY: INSURE PACIFIC
2843 NW Lolo Drive
Bend, OR 97703
Prineville, Oregon aerial view
PRINEVILLE — SISTER AGENCY: PRINEVILLE INSURANCE
220 NW Meadow Lakes Drive
Prineville, OR 97754

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