Food Cart Insurance
Meet venue requirements and protect your food cart with affordable coverage from Food Liability Insurance Program (FLIP).
Benefits of Food Cart Insurance
Insuring your food truck business with FLIP has its perks.
Instant Quote Process
It takes 10 minutes or less to get your quote, purchase a policy, and gain instant access to your Certificate of Insurance (COI).
Covered Wherever You Go
Take your food cart from one venue to the next with the peace of mind that comes with knowing your business is protected.
Affordable Policies
We keep prices low with agents who don’t make commission and policies you can purchase 100% online.
What Is Food Cart Insurance?
Mobile food cart insurance is designed to protect your vending cart business from the cost of common liability claims, including:
- Third-party bodily injury: Physical harm your business causes to other people
- Third-party property damage: Damage to other people’s property caused by your business activities
- Personal and advertising injury: Harm you cause to other people or businesses (not physical) through your activities or advertisements, like libel, slander, or copyright infringement
You can be held financially responsible for incidents like these, which can cost your business thousands of dollars and hurt your bottom line. Insurance can cover some (or all) of the resulting costs, so you don’t have to.
Insurance for food carts is a broad term that includes policies such as:
Who Needs Food Cart Insurance?
Businesses that need food cart insurance include (but are not limited to):
- Hot dog stands
- Lemonade stands
- Taco carts
- Burger carts
- Popcorn stands
- Pretzel stands
- Coffee stands
- Falafel stands
Why Do Food Cart Owners Need Insurance?
Food carts face a variety of risks, from slip-and-fall incidents to accidentally damaging an event venue. If you’re held responsible for these accidents, food cart insurance can help cover the cost of the claim so you don’t have to pay entirely out of pocket.
| Risk | Example | Coverage Needed |
|---|---|---|
|
Customer injuries |
A customer slips on grease near your cart and sprains their ankle |
|
|
Foodborne illness/food poisoning |
A customer claims your food made them sick and demands compensation |
|
|
Damage to a rented kitchen space |
You accidentally cause a grease fire in the commercial kitchen you rent, which damages the equipment |
|
|
Copyright infringement accusations |
A competitor claims your logo is too similar to theirs and sues you for infringement |
|
Plus, most venues and events require you to submit proof of general liability coverage before they will work with you.
FLIP: The Best Food Cart Insurance Provider
What Does Food Cart Insurance Cover?
Insurance for food carts includes a variety of coverages to help pay for expenses stemming from common claims.
General Liability
What It Covers
Injuries or property damage to others (third parties) caused by your business
What It Pays For
- Medical bills
- Property repairs/replacements
- Legal defense costs
- Settlements
- Judgments
Product Liability
What It Covers
Injuries or property damage tied to food you make or sell
What It Pays For
- Medical expenses
- Property repairs/replacements
- Legal defense costs
- Settlements
- Judgments
Products-Completed Operations
What It Covers
Your food/beverage product(s) and the services you provide
What It Pays For
- Legal defense costs
- Settlements
- Judgments
Damage to Premises Rented to You
What It Covers
Limited damage to a space you’re renting (e.g., commercial kitchen or food stall)
What It Pays For
- Covered property damage for the first seven days
- After seven days, only fire damage to the property
Personal and Advertising Injury
What It Covers
Claims related to accusations of libel or false advertising
What It Pays For
- Legal defense costs
- Settlements
- Judgments
How Much Does Food Cart Insurance Cost?
FLIP offers insurance for food carts starting as low as $25.92 a month or $299 per year. This includes the following essential coverages:
What Factors Affect the Cost of My Food Cart Insurance?
The most important factors that determine the cost of your coverage include:
- The limits you choose
- Any add-on coverages you choose (e.g., tools and equipment or cyber liability)
- What state(s) you operate in
- Your business’ gross annual income
How to Get Mobile Food Cart Insurance With FLIP
Get covered in minutes with our 100% online process:
- Start your application
- Fill out the fields with information about your business
- Select any optional coverages you want to add
- Get your free quote and finish checking out
It’s that simple, and you’ll be able to access your COI immediately from your user dashboard.
What Our Customers Are Saying
Here's what other people have to say about their experience from over 312+ available reviews.
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
Inland Marine Limit (Any One Article / Aggregate)
$5,000 / $10,000
Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
FAQs About Insurance for Food Carts
Do Food Carts Legally Need Insurance?
In some cities or counties, food trucks are legally required to carry general liability insurance by the health department.
Even if it’s not legally required, food cart insurance still helps you land more vending opportunities and provides a financial safety net for your business in case something goes wrong.
Is Food Cart Insurance Required for Events or Permits?
In many cases, yes. Event organizers often require proof of general liability insurance before they approve your vendor application. They want to make sure you’re prepared to cover the cost of any claims you’re responsible for.
Whether you need proof of insurance to get permits for your food cart depends on your local regulations, set by your health department or permit office.
Can I Add Additional Insureds for Festivals or Markets?
Yes! You can add an unlimited number of additional insureds for free through your user dashboard. That includes festival managers, market organizers, and any other people, businesses, or organizations that ask you to.
How Do I File a Claim With FLIP?
Claims are scary, but FLIP makes the filing process simple and straightforward:
- Log in to your user account
- Go to “File a Claim” to start the process
- Fill out all of the information about your claim
- A claims adjustor will contact you to resolve your claim
Why FLIP for Food Cart Insurance?
FLIP is the top choice for mobile food vending insurance because we offer these benefits:
- Online quote process
- Instant COI
- 25/7 access to policy documents
- Nationwide coverage
- Bundled general and product liability insurance
- Optional add-ons to customize your coverage