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.
These insurance policies cover the most common risks of food vending.
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.
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.
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.
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.
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.
This policy helps food vendors recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.
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:
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.