How much does Food Truck insurance cost in Memphis, Tennessee?

The estimated annual cost for a Food Truck in Memphis with one employee is between $1281 and $1884. The state base rate is $880.

What insurance is required for a Food Truck in Tennessee?

In Tennessee, businesses are subject to a 7.0% insurance tax. Food Trucks typically need General Liability due to a risk factor of 1.6.

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1281-$1884

Estimated Annual Premium

Monthly Average Breakdown

$126 / mo

Includes General Liability

Food trucks require a mix of commercial auto insurance and general liability to cover accidents on the road and food safety issues.

Risk Factor1.6x

While Tennessee law may not mandate it for all businesses, Food Trucks often need proof of insurance to bid on local commercial projects in Memphis.

Your premium reflects Tennessee's specific base rate of $880 and a local city multiplier of 1x.