Business Insurance for Food Vendors

Compare multiple quotes from top carriers with one application.
Concessionaire/Food Vendor
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Save money by comparing insurance quotes for food vendors

Your setup may be small, but food vendors face many of the same liabilities as a full-scale restaurant. Without appropriate protection, even a minor mishap could devastate your concession stand.
Food vendor holding up tongs in front of a hot dog cart.
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One application, multiple quotes

Insureon helps food vendors compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance does a food vendor need?

These policies provide coverage for the most common risks food vendors face.

Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. It’s often one of the most economical options for a food vendor.
  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required in almost every state for food vendors with employees. It can help cover medical fees and lost wages for work-related injuries and illnesses.
  • Employee medical expenses
  • Missed wages
  • Legal costs
General liability insurance icon

General liability insurance

This policy covers common risks, including customer injuries and customer property damage at your concession stand. It’s often required for commercial leases.
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers vehicle damage caused by weather or vandalism, and third-party injuries and property damage caused by a food vendor’s company vehicle.
  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Liquor liability insurance icon

Liquor liability insurance

This policy covers the cost of property damage and bodily injury caused by an intoxicated patron, as well as a food vendor's legal fees.

  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal fees for liquor liability lawsuits
Looking for different coverage? See more policies.

Why do food vendors need insurance?

You might occupy a small space, but you still need workers’ compensation to protect your employees and general liability insurance in case a customer gets injured. The high cost of medical and legal bills makes insurance a worthwhile investment.

How much does insurance cost for food vendors?

Owner of a food and beverage business calculating costs.

Several factors will have an impact on insurance costs, including:

  • Food vendor equipment and property
  • Food and beverage services offered
  • Revenue
  • Location
  • Number of employees
View Costs
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Concessionaire/Food Vendor