Food Cart Insurance: Guide & Quotes from $11

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If you're operating a food cart, you may encounter risks. Examples are disgruntled customers, equipment damage, and lawsuits. That’s why you need to understand what food cart insurance is and why you need it.


The right carrier will give the most useful coverage at the lowest rates and will make your business become less vulnerable to unforeseen disasters. 


Here’s a guide that will discuss mobile food cart insurance, the cost of food cart insurance, and the best food cart insurance companies.  

Food Cart Insurance: What is It?

Food cart insurance is a liability insurance plan to safeguard food cart businesses from the hefty costs of claims. Food cart operators encounter many risks. These issues could range from customers getting sick to slip and fall accidents.


Food cart insurance reduces out-of-pocket costs you may need to pay if your business faces a liability claim. It creates financial protection that enables you to operate your food cart at peace.

Food Cart Insurance: Is It Crucial to Have One?

Is there a need for mobile food cart insurance? The answer is affirmative. The choice of food cart insurance policy to purchase depends on the risk you want to mitigate and how much you are willing to pay for protection.  Here are some of the benefits associated with having a food cart business insurance:

  • Protects your business, especially small businesses

  • Keeps your food cart business running

  • Boosts your credibility

  • Safeguards your staff/team/clients

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Food Cart Insurance Policies: What Type Does My Food Cart Business Need?

Several risks are associated with the mobile food cart industry. We recommend the following insurance policies for a mobile food cart business:  

Food Cart Liability Insurance

Food cart liability insurance is the general, public or product liability insurance for food cart businesses. It is different from commercial auto insurance. For example, if you caused an accident and dealt damage to a vehicle or a pedestrian, a food cart liability insurance will cover any resulting claims.


General liability insurance is ideal for street food businesses because it can cover a wide range of events. These include compensation claims a customer or pedestrian makes for damages.


If you sold spoiled food to a customer or didn’t follow proper food preparation, product liability insurance will protect your business against claims.


Worker's Compensation Insurance

Almost every American state require businesses to get  worker's compensation insurance to take care of staff. Employees who sustain an injury whilst working in your food cart business might ask for compensation. If ever this does happen and you have workers comp insurance, you can pay for the employees’ lost income and reimburse medical costs.

Commercial Property Insurance

Think of the cost of appliances and equipment you bought for your food cart business. Protect these against fire, hail, storm, vandalism, or theft. So how do you get protection for appliances and equipment? Commercial property insurance is the policy that helps. 


With commercial property insurance, you can get money if ever the food cart or the food preparation equipment and appliances get damaged. This policy will even pay if ever your business operation is interrupted. 

Commercial Auto Insurance for Food Businesses

Commercial auto insurance  is a vital coverage for food businesses. Be it a  trailer , food truck, or  van , this policy will safeguard your  vehicle . Besides, it will also protect the food preparation equipment inside the automobile. Commercial auto insurance covers:

  • Bodily injury liability coverage - takes care of your responsibility to pay third parties after causing injuries 

  • Property damage liability  coverage - takes care of your responsibility to pay third parties upon damaging their personal belongings

  • Personal injury coverage  - takes care of your own injuries caused by an accident

Hot Dog Cart Insurance

A specialized hot dog cart insurance or hot dog stand insurance is a liability only insurance product - meaning that it only includes general liability insurance and other related policies protecting the policyholder from costly client claims. Consider getting stand-alone commercial insurance policies if you decide to insure your hot dog cart using this instead of generalized food cart insurance or mobile food vendor insurance. 

Coffee Cart Insurance

Food carts selling coffee beverages can opt to get a specialized coffee cart insurance offering general liability insurance with a $2 million limit, product liability insurance with a $2 million limit, inland marine insurance with a $10,000 limit, and cyber liability insurance with a $100,000 limit. 

Ice Cream Truck Insurance

Mobile ice cream shops and other related businesses will do better with ice cream truck insurance . Typically, policies included in this insurance product are commercial auto liability insurance, general liability insurance, physical damage coverage, and uninsured/underinsured motorist coverage. 

Food Concession Trailer Insurance

Food concession trailer insurance is best suited for those running food concession trailers and concession stands. Policies included are general liability, products and completed operations, products liability, commercial auto, and commercial property insurance. 


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A Breakdown of Food Business Insurance Cost

On average, food cart business insurance costs $45 a month or $540 a year for a $1 million general liability policy. But know that pricing depends on the types of coverage you plan to get. Look at the table showing the average cost of specific policies food cart businesses usually get.

Monthly Cost
Yearly Cost
Commercial property insurance $62 $744
Commercial auto insurance
$75 $900
Workers compensation insurance
$58 $696
Equipment breakdown insurance
$25 $300
General liability insurance $45 $540

For further reference, here’s another table showing the pricing of the best food cart business insurance companies.

Cost per Month Cost per Year Best for
CoverWallet $25 $300 Food cart insurance quote comparison online
Thimble $42 $504 Short term insurance for food cart businesses
State Farm $58 $696 Customizable food cart business insurance
Progressive $65 $780 Business owner’s policy for food carts

Compare Cheap Food Cart Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Food Business Insurance Companies: Choosing the Right One for Your Food Cart Business

Many food business insurance companies are available in states that offer food cart business insurance. As a food cart business owner, it is necessary to:

  • Compare food business insurance quotes

  • Understand the type of insurance that's suitable for your food cart business

  • Get different deals

  • Ensure you identify cheap food business insurance rates for your food cart business from the best insurance companies.

Below are the most popular food cart business insurance providers.

CoverWallet Mobile Food Cart Insurance


  • Offers 24/7 claims filing

  • Experienced representatives

  • Allows customers to compare food cart insurance quotes from several companies for competitive pricing


  • Not a food business insurance provider

CoverWallet compiles the quotes of different food cart insurance companies so you can get the best coverage at an affordable rate. With CoverWallet, compare the quotes of different companies and choose which fits your needs best.

Best for : Food cart insurance quotes comparison online

Average cost : $25

Our rating : 10/10

Thimble Insurance


  • Provides short term insurance policies for food cart businesses for events


  • Only offers the basic policies food cart businesses need

Food cart businesses looking for short-term coverage should try Thimble’s food vendor insurance. This insurance product covers food carts, concession trailers, concession stands, and other related businesses. Coverage can be purchased by the hour, day, or week. Policies included are general liability insurance with products liability or products and completed operations, and professional liability insurance.

Best for: Short term insurance for food cart businesses

Average cost: $42

Our rating: 10/10

State Farm Food Cart Insurance


  • Excellent customer service

  • Offers customizable food shop business


  • Filing a claim to State Farm can be stressful

State Farm insurance doesn't advertise specific food cart insurance. But it offers commercial auto and food shop insurance policies, which cover food cart businesses. State Farm commercial auto insurance coverages include:

  • Collision coverage

  • Auto liability insurance

  • Personal injury protection

On the other hand, State Farm food shop insurance offers:

  • Spoilage

  • Equipment breakdown

  • General liability

  • Employee dishonesty

  • Data breach and identity theft

  • Property coverage

  • Loss of income and food contamination

  • And more

Best for: Customizable food cart business insurance

Average cost : $58

Our rating: 9/10

Progressive Food Cart Insurance


  • Offers a comprehensive BOP for food cart businesses

  • Easy quotes


  • Expensive

Progressive food cart insurance offers a very comprehensive business owner’s policy for food cart businesses, which can be added with cyber insurance and workers comp for more protection. Note that this company also offers commercial auto insurance for food truck business with the minimum requirements mandated by state laws.

Best for : Business owner’s policy for food carts

Average cost : $65

Our rating: 8/10

How to Get Food Cart Business Insurance?

If you want to get insurance for your food cart business, then conduct thorough research to know the different types of insurance policies available. But don’t stop there; compare quotes to find the one that really suits you.

Start comparing quotes by using our free online quote comparison tool. To start, click the “Get Quotes” button and provide some details.

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