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Hot dog cart insurance is a short-term or long term insurance program for hot dog cart vendors. This isn’t an insurance policy that functions on its own.
While you can get a generalized food cart insurance or mobile food vendor insurance for your hot dog stand or cart, consider getting a stand-alone commercial hotdog cart or hot dog stand insurance instead.
If you are looking to start your own hot dog cart business or are already running one, having hot dog cart insurance ensures that your investment gets the best coverage.
There are two types of hot dog cart liability insurance that you will need for your hot dog cart business. These are:
Hot dog cart general liability insurance protects your hot dog cart business from incidents and accidents involving third parties while the cart is stationary but still open to customers.
The hot dog cart general liability insurance of many carriers doesn’t only cover personal injuries or property damage. General liability insurance can be added with optional policies. Such optional policies are:
General liability insurance provides $1 million – $2 million coverage for personal injury claims and property damage claims. The amount of coverage from other exposures is taken from the same limit or have their own sub-limits depending on the insurance company.
With product liability insurance, you’re covered in the event that product-related lawsuits are brought against you or your business.
Specifically, the product liability cover cushions you in the event of foodborne illnesses, food poisoning, physical harm due to wares your hot dog cart provides to customers, or hot dogs contaminated with allergens or debris.
Do you use a hot dog cart that’s pulled by an automobile? Consider buying commercial auto insurance for the vehicle. After all, a personal auto insurance won’t suffice. Moreso, continuing to use a personal auto insurance on a vehicle that’s used for business purposes will lead to problems later on.
Commercial auto insurance has the following coverages which take care of the following exposures associated with using a vehicle for business purposes:
Insurance companies will ask you to get commercial property insurance if you’re the owner of a hot dog cart business owning multiple carts and employing people. Commercial property insurance protects you against:
If your employees were to get injured while on duty, workers’ compensation insurance will step in to protect pay for your employees’:
Note that in most states except Texas, you are legally required to have workers’ compensation insurance to run your hot dog cart business.
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On average, you will pay $56 per month or $672 per year. Hot dog cart insurance cost depend on a couple of factors, including:
Here’s a breakdown of the cost of the different insurance policies you need for your hot dog cart business.
| Type of Policy | Median Cost Per Month | Median Cost Per Year | Policy Limit |
| Business owners’ policy costs for hot dog carts | $105 | $1,260 | $1 million per occurrence |
| Workers’ compensation | $105 | $1,260 | None |
| General liability | $45 | $560 | None |
| Commercial auto | $135 | $1,620 | $1 million |
Here are the best hot dog cart insurance companies. Read some of the reviews below to know their pros, cons, and pricing.
CoverWallet doesn’t sell hot dog cart insurance. However, CoverWallet has food cart insurance and you can get covered through that. Premiums cost $22 per month or $264 per year. Give some basic business information and CoverWallet’s online quotes comparison platform will show you the price and features of the hot dog cart insurance of many carriers.
Average cost: $22 per month
Our rating: 8/10
NEXT doesn’t sell tailored hot dog cart insurance. However, you can get covered through its food cart insurance. This company’s food cart insurance for hot dog vendors and other businesses offers general liability insurance, commercial auto, workers compensation, and commercial property insurance.
Average cost: $25 per month
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Similar to NEXT and CoverWallet, Thimble provides coverage through its food cart insurance for hot dog vendors and other similar businesses. Policies offered are general liability insurance and commercial property insurance. You can decide to get covered for the whole year or only for hours, days, and weeks.
Average cost: $28.83 per month
Hiscox, founded in 1901, has made a name for itself as a small business insurer that’s particularly perfect for microbusinesses like hot dog stands, which will often employ less than 10 people.
If you are a smaller hot dog cart owner whose business address is still your home address, Hiscox hot dog cart insurance is the policy for you as you actually get a 5% discount off the premium.
Average cost: $46.35 per month
Progressive Commercial, founded in 1937, is recognized nationally as a reliable auto insurance provider. Its competitive edge has to be the nine commercial auto discounts provided to hot dog carts on the move.
An average policyholder will pay $187 per month and $2,244 per year for commercial auto.
This cost might be higher depending on the number of hours the cart spends on the road and the size of the cart.
Average cost: $187 per month
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