What would be a fun business to start on wheels? A food truck can serve your community and beyond. It will require plenty of money, with some of it going toward insurance. Here's a look at the coverage you need for a food truck insurance policy.There are various types of insurance available for a food truck business. It's helpful to start with a standard business plan, which contains general liability insurance. This coverage pays for lawsuits, such as if someone is injured because of your vehicle. With a cart or trailer, you'll need commercial auto and commercial property insurance.