How much does Food Truck insurance cost in Worcester, Massachusetts?

The estimated annual cost for a Food Truck in Worcester with one employee is between $1590 and $2338. The state base rate is $1100.

What insurance is required for a Food Truck in Massachusetts?

In Massachusetts, businesses are subject to a 6.3% insurance tax. Food Trucks typically need General Liability due to a risk factor of 1.6.

Food Truck Insurance Cost in Worcester, Massachusetts (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1590-$2338

Estimated Annual Premium

Monthly Average Breakdown

$156 / mo

Includes General Liability

Industry Risk Profile

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

Location Factors

State Base Rate$1100
Worcester Multiplier1x
State Tax Rate6.3%

Local Compliance FAQ

Is General Liability required in Worcester?

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

Why is the rate different here?

Your premium reflects Massachusetts's specific base rate of $1100 and a local city multiplier of 1x.

Compare Food Truck Insurance in Other Massachusetts Cities

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How much does Food Truck Insurance cost in Worcester?