Food Truck Insurance in Maryland: 2026 Guide

How Much Does Food Truck Insurance Cost in Maryland?

Food truck insurance in Maryland is generally 15-25% less expensive than brick-and-mortar restaurant insurance due to lower property values and different risk profiles. However, you'll need commercial auto insurance — which restaurants don't — adding $1,200–$3,600/year to your total costs.

A comprehensive food truck insurance package in Maryland typically includes general liability (~$113/month), commercial auto insurance ($100–$300/month), and workers' compensation ($61/month if applicable). Total annual costs range from $3,044–$5,810 depending on your coverage limits, driving record, and employee count.

Maryland Food Truck Requirements

Beyond insurance, food trucks in Maryland typically need health department permits, a mobile food vendor license, fire safety inspections, and commissary kitchen agreements. Insurance requirements vary by city — many Maryland municipalities require proof of general liability coverage ($1,000,000 per occurrence) to obtain a food truck permit.

Workers' comp is required in Maryland for employers with 1 or more employees.

Maryland Risk Factors for Food Trucks

Maryland's Chesapeake Bay coastal areas face hurricane and flooding risks, while the DC suburbs have high property values and competitive restaurant markets.

Food trucks face unique risks beyond what brick-and-mortar restaurants encounter, including vehicle accidents, propane equipment hazards, and the challenges of cooking in a mobile environment. Maryland's specific weather conditions — maryland's minimum wage of $15.00/hr increases workers' comp premiums relative to neighboring states like virginia and west virginia. — further influence your insurance needs.