FLIP’s food cart insurance offers business owners general liability insurance, product liability insurance, free unlimited additional insureds, and more. We understand insurance can sometimes be confusing, that is why it is our job to help you navigate the world of insurance in the easiest and most affordable way possible. If you are a hot dog stand, taco cart, or anything in between, we’re the place for you.

*Annual plan starting at $299/year


Protect your food cart with A+ rated general and product liability insurance, equipment coverage, and additional policy options according to your business needs.


Your food cart will likely need to include additional insureds on its policy. FLIP offers unlimited additional insureds to concessions businesses at no extra cost.


At FLIP, we make getting covered easy. Protect your business in less than ten minutes and gain instant access to your policy through our online user portal.

What Is Food Cart Insurance?

Food cart insurance is a liability insurance plan designed to protect food cart businesses from the cost of liability claims. As food industry businesses, food carts face a variety of liability risks, from trip and fall accidents to customers getting sick from their food. Food cart insurance can reduce and sometimes remove the out-of-pocket cost your business may be required to pay if faced with a liability claim, creating a financial safety net that allows you to continue running your food cart with peace of mind.

Your food cart faces a unique set of risks that require a unique set of coverage. FLIP’s food truck insurance program provides food business owners like you with the customizable, comprehensive coverage your need to protect yourself and your business from the cost of claims.

Coverage Details

General Liability Aggregate Limit
Products-Completed Operations Aggregate Limit
Personal and Advertising Injury Limit
General Each Occurrence Limit
Damage to Premises Rented to You (Any One Premises)
Liability Deductible
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible

For food trailers, general liability limits only apply if you add a Trailer Endorsement to your policy. (Trailer Endorsement can be added during checkout).

**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages. For a sample policy, please contact us at (844) 520-6992 or by email at

General Liability

General liability can protect your business from paying for third-party bodily injury and property damage claims. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.

Aggregate Limit: $2,000,000

Product Liability

As a food industry business, you run the risk of making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or more. In these cases, product liability insurance can protect you from paying out of pocket for claims that your food made a customer ill.

Aggregate Limit: $2,000,000

Inland Marine Coverage

Inland marine coverage can protect your food cart business from the cost of repairing or replacing broken or stolen business equipment. FLIP’s food cart insurance policy offers two coverage options for inland marine that you can choose according to your business needs.

Aggregate Limit: $10,000

Damage To Premises Rented

If you rent a space to do business, like a commercial kitchen, or participate in events, you need insurance that protects you from potential damages that might occur there. What’s more, 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.

Aggregate Limit: $300,000

Cyber Liability

Cyber liability insurance protects your business from the costs that arise from experiencing a cyber security breach.If your business collects or stores information online, on a computer, or on a mobile device, we strongly recommend this coverage option.

Aggregate Limit: $100,000

FAQs About Food Cart Insurance

Who Needs Food Cart Insurance?

Are you looking for food cart insurance? We have you covered! If you are a business selling:

  • Hot Dogs
  • Lemonade
  • Tacos
  • Burgers
  • Other Food Options

Protect your business with food cart insurance and set aside the stress that comes from running your business without insurance.

How Much Does Mobile Food Vendor Insurance Cost?

You can protect your business starting at a base rate of just $299 per year or $25.92 a month. The price is subject to change based on your state of business operation. Additional benefits can be added as needed.

What Does Food Cart Insurance Cover?

We help cover:

Cyber liability claims. An example of this claim could include a cyber security breach resulting in your sensitive business information being compromised.

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.

How to File a Claim

1. Sign in to your user dashboard

2. Click the option for filing a claim


3. Call the Food Cart Insurance team and they will email you a claim form

Program highlights

Annual Policies



$ 299

Don't Take Our Word For It




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