Protect your mobile kitchen with reliable coverage from a local agency that understands your business.

Whether you’re serving tacos near the Gallo Center, catering downtown events, or operating on Hatch Road, your food truck is more than a business—it’s your livelihood. At Macias Insurance, we specialize in commercial auto insurancedesigned specifically for food trucks and mobile food vendors in the Modesto area.

As a small, family-owned agency based right here in Modesto, we know the local regulations, risks, and challenges you face. Let us help you stay protected and compliant—without overpaying.

What Does Food Truck Insurance Cover?

Our custom commercial auto policies cover more than just your vehicle. We help you protect everything that keeps your food truck running:

• Collision & Comprehensive Coverage
  Covers damages to your truck from accidents, vandalism, or weather-related events.
• Liability Insurance
  Protects you if someone is injured or if property is damaged while you’re operating.
• Equipment Protection
  Coverage for built-in kitchen equipment like fryers, grills, generators, and refrigeration units.
• Coverage for Additional Drivers
  Insure employees or business partners who drive your truck.
• Add-Ons Available
  Optional towing, roadside assistance, rental coverage, and business interruption insurance.

Why Food Truck Owners Choose Macias Insurance

We’re not just another insurance agency—we’re your neighbors. We know Modesto, and we know small businesses.

1. 💬 Bilingual Service – Hablamos Español
2. 💡 Custom Policies – We tailor your plan to your business needs
3. 📊 Top Carriers – We shop multiple providers to get you the best rate
4. 📍 Local Support – Real people, real answers, fast service
5. 🧾 Free Policy Review – Already insured? We’ll check if you’re overpaying

Frequently Asked Questions

Do I need special insurance for a food truck in California?
Yes. Personal auto insurance won’t cover business use. You’re legally required to carry commercial auto insurance if you’re operating a food truck in California.

Can I insure the cooking equipment inside my truck?
Yes. We offer optional coverage for built-in and mobile equipment that is part of your business operation.

What’s the average cost for food truck insurance in Modesto?
Most food truck owners in Stanislaus County pay between $1,200 and $2,500 per year, depending on coverage limits, truck type, and driving history.

Do I need workers’ comp if I have one employee?
Yes. In California, workers’ comp is required even if you have just one part-time worker. We can bundle that into your quote.

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