Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.
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.
Get all the best quotes from leading providers in a click of a button!
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
Get all the best quotes from leading providers in a click of a button!
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
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!
Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
