Trade × state guide
Insurance for food truck businesses in Massachusetts.
In Massachusetts, food truck businesses usually need general liability and commercial auto. On workers' compensation, Massachusetts's rule is: Required for all employers with one or more employees (including part-time and family members; domestic workers must work 16+ hrs/week).[S]Massachusetts workers' compensation threshold
Updated 2026-05-16 · Beaconcover editorial§ 01
State desk
Licensing notes for Massachusetts.
- Home Improvement Contractor (HIC) registration applies to residential work
- Broad first-employee coverage requirement, few exemptions
§ 02
Required cover
Coverage food truck businesses typically need.
← All Food Truck Business insurance Business insurance in Massachusetts →