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Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service. —Brian B.
A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help! —Doof R.

What is Food Truck Insurance?

O’Kane and Tegay’s offer tailor-made commercial vehicle insurance coverage products for you and your licensed mobile food and service truck, or stationary trailer.

Food truck insurance protects the steadiness of your business and your investment in your vehicle

In addition to providing mobile food service insurance products and packages tailored to your business, we also provide proactive risk-management advice with helpful guidelines for contracts, safety, and claims management.

food truck festival

Who Needs Food Truck Insurance?

The Bay Area’s many mobile food truck services include businesses offering catering, gourmet coffee, cold lunches, hot meals, and ice cream. All of these need the right food truck insurance to cover their particular risks and exposures.

We insure many types of commercial vehicles and common trailers, and service a variety of business types, including:

  • Mobile food service
  • Business food service
  • Buffet Service
  • Wedding catering
  • Events catering
  • Convention food service
  • Vending service
  • Ice cream trucks
  • Lunch wagons
  • Concession trucks and trailers
  • Straight trucks
  • Pickup trucks
  • Step vans
  • Food service trailers

What Does a Food Truck Insurance Policy Typically Cover?

Depending on your type of food truck business, you might need different types of food truck insurance.

Coverage options include:

  • Standard business owner’s insurance
  • Employment practices liability coverage
  • Commercial auto insurance
  • Umbrella liability coverage
  • Worker’s compensation insurance
  • Medical payment insurance
  • Liability insurance
  • Bodily injury insurance
  • Physical damage insurance
  • Property damage insurance

We can also create policy add-ons that protect you from losses due to employee theft or other loss to do dishonesty, breakdown of vehicles refrigeration or food preparation equipment, food contamination, computer equipment breakdown (hacking and viruses), loss of business during the claims process (while your vehicle is being serviced), and loss of money and securities.



Work with an Expert Who Knows Your Industry


Get Quotes from the Country’s Top-Rated Insurance Companies


Select Your Quote

Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right food truck insurance policy for your mobile food service. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping organizations like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.

Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need food truck insurance, employment practices liability insurance, business umbrella insurance, business owners liability insurance, or general liability insurance to comply with state laws, you can find it here.

We’ve already helped hundreds of organizations protect their community. Discover why they consistently rate us 4.9 out of 5 stars.

Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.


Business Umbrella Insurance

Business umbrella liability insurance provides added coverage, above and beyond other forms of business liability coverage. It can help cover the expense of a lawsuit with costly legal fees and settlements—vital in a state that has no cap on lawsuit settlement payouts.

Workers’ Compensation Insurance

Workers’ compensation insurance helps you protect one of your most vital assets: your employees. It also helps you fulfill your statutory and legal obligations. In California, employers must provide workers compensation even if they have only one employee.

Employment Practices Liability (EPLI)

A form of liability insurance that covers you if your employee or former employee files a claim such as alleged discrimination, wrongful termination, gender bias, or sexual harassment.

Business Liability Insurance

A business owner’s policy works to protect your small business from risks such as accidents, natural disasters, property damage, theft and loss of income.


Top 5 Risks for Food Trucks

  • Propane fires
  • Faulty cooking and exhaust systems
  • Food spoilage and food poisoning
  • Operator risks – fatigue
  • Customer injury near food truck – slips and falls

Real Talk About Food Truck Insurance

Visit our blog for the latest news about managing risks for mobile food services.

Sample Certificate

A sample Certificate of Insurance is available upon request.


What Risks Should I Consider Before Starting a Restaurant?

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Contact Us. Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST