Hot Dog Cart Insurance

Purchase affordable, hot dog cart insurance faster than you could say “order up!”

Benefits of Insurance for Hot Dog Carts

Discover how hot dog cart insurance can protect your business.  

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Trailer Endorsement

Extend your coverage to your trailer while it is parked on premises, & detached from your vehicle. Add at any time in the application or from your user dashboard.

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Unlimited Additional Insureds

Include as many additional insureds as your business needs at no extra cost for high quality protection wherever your next job takes you.

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Completely Online Process

Protect your hot dog business in minutes with our easy, online checkout for instant, & 24/7 access to your policy information via our online user dashboard.

How Much Does Hot Dog Cart Insurance Cost?

The starting rate for hot dog cart insurance is $299 per year or $25.92 per month. For that cost, you can protect your business with a limit of up to $2 million in General and Product Liability coverage. This also includes up to $10k in Tools and Equipment coverage. Additional policy options and increased limits are also available at extra cost for businesses that require more coverage.

Factors That Affect Hot Dog Cart Insurance Cost Include 

  • Insurance limits you select
  • Gross business revenues of your business
  • Length of your coverage 

Do Hot Dog Carts Need Liability Insurance?

Yes. Your business can face a variety of risks from bodily injury and property damage claims to accidentally making a customer sick from the food you served. 

Hot Dog Cart Insurance can protect your business from out-of-pocket costs caused by these accidents with personalized, affordable, and easy-to-purchase policies for general and product liability, tools and equipment coverage, and more. With the Food Liability Insurance Program (FLIP), you can buy your policy online in just a few minutes and continue running your business with peace of mind.

Protect your hot dog cart with a limit up to $2 million in General and Product Liability insurance as well as $10k for tools and equipment insurance. Not enough coverage? Not a problem! FLIP provides increased limits and additional policy options for businesses that need them.

What Is Hot Dog Cart Insurance?

Hot dog cart insurance is a liability insurance plan designed to protect hot dog carts from the cost of liability claims. It provides up to $2 million in coverage for General and Product liability. In addition, it includes $10k in Tools and Equipment coverage to protect businesses from the majority of liability claims they might face. 

For businesses that need more coverage, FLIP  also provides increased limits and additional policy options, like Professional Liability and Cyber Liability insurance, according to their needs.

Let's Talk About Numbers For The Food Liability Insurance Program


Hot Dog Stand Coverage Details

General Liability

Aggregate Limit: $2M

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

product liability

Product Liability

Aggregate Limit: $2M

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.

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Inland Marine (Tools & Equipment)

Aggregate Limit: $10K

Also referred to as Tools and Equipment coverage, Inland Marine Insurance can protect your business from the cost of repairing or replacing stolen or broken business equipment. FLIP offers increased coverage limits for inland marine based on your business’ insurance needs.

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Damage to Premises Rented

Aggregate Limit: $300K

Protect your business from the cost of claims arising from damages to rented spaces. This includes an event booth or commercial kitchen. 

What FLIP Customers Say

560+ Five Star Reviews

Shannon O.
Shannon O.
Hot Day Afternoon BBQ & Catering
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We have had policies with them for probably 11 years and everything has always been so professional, fast and easy. I would never even think of moving to a new carrier.
Brazil M.
Brazil M.
Spryce Company
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Great Insurance Company. All my needs are accommodated through FLIP. I’ve been a client for 7 years and never needed to find a new home.
Shallie A.
Shallie A.
Set the Bar Rentals
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So far, so good! New member to flip! I’ve already received top notch service from an agent, got my insurance and paid my invoice in less than an hour. Thank you to MBP for the referral.
Don B.
Don B.
Madison Lane Farms
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Easy to find a policy I needed. I had a few questions and they were promptly -and very clearly - answered in email. Price is reasonable for the coverage I got. Website is easy to navigate and the user dashboard is helpful.
Chynsia M.
Chynsia M.
Vibrant Life Bakery
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Hello, using and joining the FLIP website was fast, easy, painless and affordable. An agent got back to me promptly if I had any questions. I recommend FLIP to anyone who needs to insure their company.
Emtesha N.
Emtesha N.
Baked Chemistry
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Simple, Easy, affordable coverage! Been with FLIP for over 4 years. I love the unlimited additional insured as well. They have a lifelong customer!!
Whitni S.
Whitni S.
Whit's End Catering
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I’ve been covered by this company for almost 5 years. Very reasonably priced and great customer service.
Ken P.
Ken P.
Slider City BBQ & Catering
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FLIP insurance for my catering company was very affordable and a simple process to obtain. In addition, they respond quickly when asked to add on addition kitchens to the policies.
Alejandro G.
Alejandro G.
Atlanta Vice LLC
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Love the simple and easy process. Customer services answered all of my questions and my returned my immediately instead of waiting for a representative.
Michele M.
Michele M.
M&M Kettlecorn LLC
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It was an easy and fast experience that you don't get with others and I will definitely be using this in the future and to any of those who want to try it, I got one thing to say to you,"JUST DO IT!"
Tanja D.
Tanja D.
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Right what we needed as a startup in the food industry. Affordable insurance and expandable when necessary. Thank you!
Maxine L.
Maxine L.
Chips Galore Cookies and More
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It was am auto renew, which makes it so easy. Was sent a reminder that it was due, and then it was done..did not have to worry about it.

Coverage Details Limits

General Liability Aggregate Limit


Products – Completed Operations Aggregate Limit


Personal and Advertising Injury Limit


General Each Occurrence Limit


Damage to Premises Rented to You Limit (Any One Premises)


Liability Deductible


Business Personal Property\ Inland Marine Limit (Any One Article/ Aggregate)


Business Personal Property\ Inland Marine Limit (Per Occurrence) – Deductible


Medical Expense Limit


Have Questions? We're On It.

Running a hot dog cart comes with several different risks that could lead to claims. Risks can include: 

  • A customer or bystander trips over your equipment, causing bodily harm
  • Someone damages or steals your business equipment
  • A customer gets sick from a hot dog you served them
  • A fire or disaster destroys your business equipment or causes property damage

Without insurance, these claims could have the potential to financially damage your business. Claims could cost thousands of dollars, so protect yourself and your business from that stress with hot dog cart insurance. 

FLIP offers hot dog carts several benefits when it comes to insurance. Listed below are 10 reasons you should choose FLIP for your hot dog stand insurance.

  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed In All 50 States
  • General Liability
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage

Hot dog food insurance can cover your business from 

  • Third-party bodily injury
  • Property damage
  • Tools & equipment damage and theft
  • Food borne illness
  • Unlabeled allergens 
  • Advertising injury


Without insurance, these claims can cost your business thousands of dollars. However, with insurance, these claims costs can be mitigated or even eliminated.