Keller-Brown Insurance Services
9 S Main St, PO Box 215
Shrewsbury, PA 17361
Phone: (717) 235-6891(717) 235-6891
Toll Free: (800) 785-7461(800) 785-7461
Keller-Brown Insurance Services
9 S Main St, PO Box 215
Shrewsbury, PA 17361
Phone: (717) 235-6891(717) 235-6891
Toll Free: (800) 785-7461(800) 785-7461
Running a food truck comes with a lot to manage. Tight spaces, hot equipment, busy events, and long days on the road are all part of the job. It's rewarding work, but it also comes with moving parts that can be hard to predict.
At Keller-Brown Insurance, we help food truck owners across York, PA and Baltimore County, MD protect what they've built with coverage that actually fits how their business operates.
Whether you're serving at local festivals, weddings, or daily lunch stops, we'll help you stay protected so you can keep your business running without interruption.
Food truck insurance isn't just one policy. It's a combination of coverages designed to protect your vehicle, your equipment, your team, and your business.
Here are the most important coverages to consider:
Commercial auto insurance
Your food truck is your business on wheels. This coverage protects you if you're involved in an accident while driving to events, job sites, or daily stops. It can also help cover damage to your truck and liability if others are involved.
General liability insurance
From customer injuries to food-related illness claims, liability coverage helps protect your business from the unexpected. If you're held responsible for bodily injury or property damage, this coverage can help with legal and medical costs.
Commercial property insurance
Your truck holds more than just food. It holds your entire investment. This coverage helps protect equipment like grills, refrigerators, and POS systems from damage or loss due to covered events like fire or theft.
Every food truck operates a little differently. Depending on your setup, these additional policies may be worth considering:
Workers' compensation insurance
If you have employees, this coverage is typically required. It helps cover medical expenses and lost wages if someone is injured on the job, which is especially important in fast-paced, high-heat environments.
Business income insurance
If your truck is out of commission due to a covered loss, this coverage can help replace lost income during downtime. It allows you to stay afloat while you get back up and running.
Equipment breakdown insurance
Food trucks rely on specialized equipment to operate. If something suddenly fails, like a refrigeration unit or grill, this coverage can help with repair or replacement so you're not sidelined longer than necessary.
The short answer: there's no one-size-fits-all price.
Your coverage cost depends on factors like:
Our team is here to walk through all of this with you and build a plan that fits your business and your budget.
Food truck owners don't need generic coverage. You need someone who understands how your business actually runs and where things can go wrong.
That's where we come in.
Keller-Brown Insurance has been serving our community for over 125 years. We're local, we know the events, venues, and day-to-day realities of operating in this area, and we take the time to get to know your business before making recommendations.
Instead of offering one standard policy, we shop across multiple carriers to find coverage that fits your setup, your risk level, and your goals. More importantly, we're here when something happens. When you need answers, support, or help navigating a claim, you simply give our team a call and the agents you know are there to help.
We treat your business the same way we'd treat our own, with care, attention, and a long-term mindset.
Insurance shouldn't feel complicated or transactional.
We take a hands-on, personalized approach to help you understand what you need, what you don't, and where there may be gaps in your current coverage. Whether you're just getting started or have been operating for years, we'll meet you where you are and build a plan that evolves with your business.
For Dani Keller, owner of Amazing Grazin, her food truck business is the result of nearly two decades in the hospitality industry. Today, you can find her serving clients at weddings, farmers markets, and events across York and Baltimore County.
We're proud to support businesses like hers.
"I love being a customer because I always get treated like I'm a good friend, not just a client. In fact, thanks to their help, getting insurance was the easiest and most hassle-free part of all the work that is involved in starting a small business. My agent, Melissa Yealy, is outstanding, and she is always there for me to answer any questions I may have."
- Dani Keller, owner of Amazing Grazin
Learn more about Dani and Amazing Grazin in our client spotlight.
Do I need insurance for a food truck?
Yes. Most events, venues, and municipalities require proof of insurance before allowing you to operate.
What insurance is required for a food truck?
At minimum, most businesses need commercial auto and general liability insurance. Additional coverage depends on your operations.
Does food truck insurance cover equipment?
Not always. Equipment is typically covered under a commercial property or equipment breakdown policy.
Can I bundle food truck insurance policies?
Yes. Many policies can be combined into a package to simplify coverage and potentially reduce costs.
Do I need insurance for festivals or special events?
In most cases, yes. Event organizers often require a certificate of insurance before you can participate.
How quickly can I get proof of insurance?
Once your policy is in place, we can typically provide proof of insurance quickly so you're ready for upcoming events or opportunities.
Your business is unique, and your insurance policy should be, too.
Our process is simple:
You've put a lot into your food truck. The time, the investment, the long days, it all adds up.
Having the right insurance in place means you don't have to second guess what happens if something goes wrong. You have a team behind you that's ready to step in, guide you, and help you move forward.
Start your food truck insurance quote today, or connect with our team to talk through your options. We're here to help you protect what you've built and keep your business going strong.