Food Cart Insurance
Get General Liability Insurance, Product Liability Insurance, free and unlimited additional insureds, and more for your food vending cart.
Benefits of Food Cart Insurance
High-Quality Protection
Protect your concession cart with General and Product Liability insurance, equipment coverage, and additional policy options according to your business needs.
Free and Unlimited Additional Insureds
You may need to include additional insureds on your policy. We offer unlimited additional insureds to mobile food vendors at no extra cost.
Instant Quote Process
Protect your business in 10 minutes or less and gain instant access to your policy through our online user portal.
What Is Food Cart Insurance?
This liability insurance plan is designed to protect food vending carts from the costs of liability claims.
Food carts face a variety of liability risks, from trip-and-fall accidents to customers getting sick from their food. This coverage can reduce and sometimes remove the out-of-pocket cost your business may be required to pay if faced with a liability claim. It creates a financial safety net that allows you to continue running your food cart with peace of mind.
Food Liability Insurance Program’s (FLIP) food cart insurance program provides business owners like you with the customizable, comprehensive coverage you need to protect your business from the cost of claims.
We understand insurance can sometimes be confusing! That is why we’re here to help you navigate the world of insurance in the easiest and most affordable way possible. If you run a hot dog stand, beverage cart, or any other food cart business, you’re in the right place for insurance.
Who Needs Food Cart Insurance?
Food and beverage carts such as the following need this insurance coverage:
- Hot Dog Stands
- Lemonade Stands
- Taco Carts
- Burger Carts
- Popcorn Stands
- Pretzel Stands
- Coffee Stands
- Falafel Stands
Prevent the stress that comes from running your concession cart without insurance and know you are protected.
How Much Does Mobile Food Vendor Insurance Cost?
Food cart insurance starts at a base rate of just $25.92 a month or $299 per year. This price includes General Liability insurance, Product Liability insurance, Damages to Premises Rented insurance, as well as free and unlimited additional insureds.
The price is subject to change based on the following factors:
- The limits you choose
- Any additional benefits such as Cyber Liability, Tools and Equipment (Inland Marine Insurance), Trailer Endorsement, and Professional Liability
- The states you operate in
- Your gross income
Let's Talk Numbers for Food Cart Liability Insurance
Food Cart Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
Safeguard your food cart/stand from paying for third-party bodily injury, property damage, products-completed operations, personal and advertising injury, and other claims.
Product Liability
Aggregate Limit: $2,000,000
As a food industry business, you run the risk of accidentally making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or something else. In these cases, Product Liability insurance can protect you from paying out of pocket for claims that your food made a customer ill.
Inland Marine (Tools and Equipment)
Aggregate Limit: $10,000
Protect your mobile food kiosk from the cost of repairing or replacing broken or stolen business equipment. FLIP’s food cart insurance policy offers two coverage options for Tools and Equipment that you can choose according to your business needs.
Damage to Premises Rented
Aggregate Limit: $300,000
If you rent a space like a commercial kitchen or participate in events, you need insurance that protects you from potential damages that might occur there. Property owners and event organizers may require you to include them as an additional insured on your policy. FLIP provides unlimited additional insureds at no extra cost.
What Our Customers Are Saying
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Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000 / $10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
FAQs About Food Cart Insurance
What Does Food Cart Liability Insurance Cover?
FLIP’s coverage applies to each of these areas:
- Cyber Liability claims. An example of this is a cyber security breach resulting in your sensitive business information being compromised. Cyber Liability insurance is an additional coverage option that you can add in the application or from your user dashboard.
- Damage to premises rented. Claims like these could result in thousands of dollars spent on fixing the damage done to rented property. Protect your business (and wallet) by including this coverage on your policy.
- Tools and Equipment coverage. Also known as Inland Marine coverage, this is a great addition to your policy in the event that your business equipment is ever damaged or stolen. This is also an additional policy option that can be added in the application or from your user dashboard.
- Trailer Endorsement. Extend your General Liability coverage to your trailer while it is detached from your vehicle and parked on premise. This coverage can be added at any time through the application or from your user dashboard.
How Do I File a Claim With FLIP?
File a claim in these easy steps:
- Sign into your user dashboard
- Click the option for filing a claim
OR
- Call the Food Cart Insurance team and they will email you a claim form. You can reach us at (844) 520-6992
Why FLIP for Food Cart Insurance?
FLIP is a top choice for mobile food vending insurance because we offer these benefits:
- Instant Quote Process
- 24/7 Access to Policy Documents
- Convenient Online Purchasing
- Licensed Nationwide*
- General Liability Insurance
- Products and Completed Operations Coverage
- Personal and Advertising Injury Coverage
- Damage to Premises Rented Coverage
- Business Personal Property Coverage
*FLIP is not currently available in Missouri.
