Texas Food Trucks & Mobile Catering Insurance
Underwriting brief for Texas mobile food services (1,012 active Texas establishments across 53 counties). We compare 30+ TDI-admitted and specialty commercial carriers for food trucks & catering with fast Certificate of Insurance (COI) turnaround.
Texas Food Trucks & Catering Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 722330 — Mobile Food Services
- NCCI Workers' Comp Codes
- 9079 (Restaurant/Food Truck), 7380 (Drivers)
- ISO GL / Coverage Form
- 16820 (Mobile Food Vendors) + Commercial Auto
- Texas Regulator / Spec
- Texas DSHS Mobile Food Unit Rules (25 TAC §228.221) & Municipal Fire Marshal
Texas cities (Austin, Houston, Dallas, San Antonio) require Mobile Food Unit permits, Type-I hood/propane inspections, and $1M GL + Commercial Auto COIs for food truck parks and festivals.
Where Food Trucks & Catering Cluster in Texas
- Travis: 187 firms (18.5% of TX) • 1,060 employees
- Harris: 122 firms (12.1% of TX) • 478 employees
- Bexar: 91 firms (9.0% of TX) • 207 employees
Primary Loss Exposures
- Propane regulator leaks and deep-fryer fires inside compact step vans and trailers.
- Road collisions totaling $80K–$180K in custom stainless kitchen buildouts.
- Festival and corporate-campus COI rejections when Auto and GL are split across incompatible carriers.
Key Endorsements We Verify
- Stated-Amount Physical Damage covering permanently attached fryers, griddles, and wraps
- Inland Marine / Mobile Kitchen Equipment & Food Spoilage endorsement
- Blanket Event / Venue Additional Insured for breweries, farmers markets, and festivals
Food Trucks & Catering Insurance FAQs
Why do food trucks need both Commercial Auto and General Liability?
Commercial Auto covers driving accidents on Texas roads; General Liability covers food poisoning, propane/fryer fires while parked, and customer slip-and-falls at the service window.
Are my fryers, flat-top, and wrap covered if the food truck is totaled in a wreck?
Only if you declare the full custom buildout value (truck + kitchen equipment) under Stated-Amount Physical Damage or an Inland Marine schedule.
Can I get a single-day or annual COI for Texas breweries and festivals?
Yes—with a Blanket Additional Insured endorsement on your annual GL, we issue venue COIs on demand.
What about a towed food trailer pulled by a pickup?
The pickup and trailer liability run through Commercial Auto, while the trailer's interior kitchen and stock are scheduled on Inland Marine / Property.