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Food vendors, just like food trailers, are required to get the appropriate amount of insurance before selling food at parks, festivals, and other locations.
Insurance safeguards customers and ensures that a food vendor can grant compensation in case food poisoning or accidents happens.
Food vendor insurance provides comprehensive coverage to startup food vendors and established ones. This consists of vendor liability policies, commercial property insurance, workers’ compensation insurance, and more policies.
There are different kinds of food vendors such as those that sell in farmers markets, those that serve customers through a food truck. But regardless, general liability insurance grants protection against claims for bodily injuries or property damage.
Copyright infringement claims are also covered. And depending where you purchase it, general liability insurance for food vendor can cover food poisoning claims.
General liability insurance for farmers market vendors has a $1 million-$2 million per occurrence and aggregate limit. Insurance companies automatically include a rented premises liability coverage in the general liability policy of their farmers market insurance.
As a food vendor, you’ll find this useful if you’re just renting the farmers market stand. This will compensate the losses of the organizers if the stand gets damaged.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | FLIP | |
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $600,000/$2,000,000 | $2,000,000 |
| Product liability coverage aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $2,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | Included |
| Rented premises liability coverage aggregate limit | $300,000 | $100,000 | $5,000 | $100,000 | $300,000 |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
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Street food vendors are not required to get general liability insurance, depending on which city or town they’re selling food. For those who need coverage, insurance companies sell a highly tailored general liability insurance for street food vendors.
The policy limit for general liability insurance policy has a $1 million-$2 million per occurrence limit.
If you’re a food truck vendor, then you’ll get a general liability policy in food truck insurance programs. The per occurrence limit of the general liability insurance for truck food vendors is $500,000-$2 million. On the other hand, the aggregate is $1 million-$2 million.
Coverage for your food truck can be included in the general liability policy of food truck and mobile food vendor insurance plans.
Commercial property insurance is useful if you’re the owner of a food vending franchise that operates through several food trucks, food stands, or food carts.
You can use commercial property insurance to cover the tangible assets of your food vending franchise. You can use this policy to recover financial losses if the office or any other building that you own, lease, or rent gets damaged or destroyed due to:
commercial property insurance can also help if valuable item sustain damage or get destroyed because of the insured risk
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
| Building coverage limit (minimum) | $50,000 | $350,000 | $25,000/$500,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $24,000 | $25,000/$500,000 | $25,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | $2,500 |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded |
Get all the best quotes from leading providers in a click of a button!
Similar to juice bar insurance programs, food vendor insurance programs might allow you to bundle general liability insurance and commercial property insurance into a business owner’s policy.
A business owner’s policy is a fusion of general liability insurance and commercial property insurance.
| CoverWallet | Thimble | NEXT (Best) | Hiscox | |
| General liability aggregate limit | $2,000,000 | $2,000,000 | $500,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $25,000/$500,000 | 350,000 | $25,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes |
Tools and equipment insurance will cover the repair or replacement of ovens, fryers, stoves, mincers, meat grinders, blenders, and other equipment you use for preparing food.
Coverage applies if damage or loss is caused by theft, vandalism, and other covered risks.
| NEXT (Best) | Thimble | Hiscox | FLIP | |
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $5,000/$25,000 | $5,000/$10,000 |
| Covers hired and borrowed equipment? | $5,000/$10,000 | $2,500/$5,000 | No | No |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | No | No |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
By having workers’ compensation insurance, you can get the appropriate treatment and financial assistance for a work-related injury.
This insurance will cover hospital bills, medication, lost wages, rehabilitation, and even funeral expenses and allowance to dependents in case of death.
An employer’s liability coverage can be optionally added to workers’ compensation insurance. This will take care of settlements and legal fees if an employee sues you after sustaining a work-related injury or disease.
What works as a one day food vendor insurance is a short-term general liability policy. A short-term general liability policy provides coverage for a few hours, an entire day, or several weeks.
This has a $1 million-$2 million per occurrence and aggregate limit. Optional policies might be included. Insurance companies that sell temporary food vendor insurance for one day are Hiscox, Thimble, and The Hartford.
The organizers of the festival have their own festival insurance that takes care of liabilities, equipment damage or loss as well as event cancellation.
However, they’ll require you to get the appropriate coverage and name them as additional insureds. Your existing general liability policy can be used as a food vendor insurance for festivals.
Another option is to get a short-term general liability policy in case you want an additional level of protection.
Get all the best quotes from leading providers in a click of a button!
The average food vendor insurance cost is $35 per month or $420 per year for a $1 million general liability coverage.
Factors that affect the cost of premiums are business history, business size, number of employees, annual revenue, and location.
| Cost per Month | Cost per Year | Deductible | |
| General liability insurance | $35 | $420 | $0-$500 |
| Commercial property insurance | $39 | $468 | $1,000-$2,500 |
| Business owner’s policy | $65 | $780 | $500-$1,000 |
| Liquor liability insurance | $45 | $540 | $500-$1,000 |
| Tools and equipment insurance | Cost included in general liability insurance | Cost included in general liability insurance | $0-$500 |
NEXT
Founded in 2015, NEXT has established itself as a one-stop shop for food vendor insurance coverage. Their food vendor insurance will encompass several coverages, including general liability, commercial auto, workers’ compensation, and commercial property.
Average cost: $25 per month
CoverWallet offer food vendors services with high functionality, packaged in an easy-to-understand interface. All you have to provide is basic business information to the company’s platform, and they will send you the quotes of different carriers.
Average cost: $26 per month
Hiscox caters for sole proprietors with food and beverage carts, mobile food services, mobile concessions, or mobile street food vendors,with food vendor insurance.
It specializes in general liability for food vendors, which costs as low as $28 per month for a $2 million coverage limit. You can adjust your coverage amounts and deductibles before obtaining the final quote.
Average cost: $28 per month
Thimble differentiates itself from the rest of the food vendor insurance providers on this list by offering flexible terms. As a food vendor, you will not be locked into a yearly contract.
This is excellent news for flea market and festival food vendors who need daily or even hourly insurance policies. For hourly food vendor insurance, you’ll pay $5 per hour, but if you want a monthly cover, you’ll pay $30 per month.
Average cost: $30 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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