Business Insurance for Food Vendors

Compare multiple quotes from top carriers with one application.
Concessionaire/Food Vendor
Salad in a small takeout container.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

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.

Food vendor holding up tongs in front of a hot dog cart.
Light bulb

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 icon

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 icon

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 icon

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 icon

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 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.

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

How much does mobile food vendor insurance cost?

Owner of a food and beverage business calculating costs.

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
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

What our customers are saying
Carousel prev arrow
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo
Compare insurance quotes for food vendors
Save money by comparing free quotes from top-rated carriers.