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Why do food vendors need insurance?
Your setup may be small, but food vendors face many of the same liabilities as a full-scale restaurant. Business insurance helps pay costly bills from lawsuits and accidents. You might also need insurance coverage to comply with state laws, or to participate at a farmers’ market or other events.
Find the right coverage
Insureon helps food vendors find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of business insurance does a food vendor need?
These insurance policies cover the most common risks of food vending.
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for food vendors to buy commercial property insurance and general liability coverage under one plan.
BEST FOR
- Customer bodily injuries
- Food cart theft or vandalism
- Business interruption incidents
Workers’ compensation insurance
Most states require workers' comp for food vendor businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal costs from work injuries
General liability insurance
A general liability policy covers basic risks, including claims of food poisoning and customer property damage. Event organizers might require food vendors to carry this coverage.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and other advertising injuries
Commercial auto insurance
This insurance covers costs if a mobile food vendor's vehicle is involved in an accident. Each state has its own auto liability insurance requirements.
BEST FOR
- Property damage caused by your vehicle
- Injuries caused to another person
- Vehicle theft and vandalism
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.
BEST FOR
- Injuries caused by intoxicated patrons
- Property damage caused by intoxicated patrons
- Legal fees for liquor liability lawsuits
Cyber insurance
This policy helps food vendors recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does mobile food vendor insurance cost?
Food vendor insurance policies are affordable for hot dog stands, ice cream carts, and other small businesses.
Factors that affect premiums include:
- Type of service, such as a concession stand or food trailer
- Business operations
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get food vendor insurance?
It's easy to get food vendor insurance or food truck insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your food vending business, whether you work independently or hire employees.
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