Food vendor insurance

General liability insurance for mobile food vendors

Whether your food truck’s at a festival, your food stand’s at a market or your trailer’s parked outside offices, you’re pretty popular when people need to feed.

But splash scalding coffee over a woman’s arm, or give a guy severe food poisoning, and next thing you know, you’re the one being served. With a suit.

Medical bills, damages – the defense fees alone could burn your business badly. Food vendor liability insurance protects your business. If a claim’s made against you – even if it’s groundless – it can take care of the costs.

So you can get out of the heat and back into the kitchen.

• Who needs mobile food vendor insurance?

  If you sell food to the public, you need general liability insurance. Why? Because it protects your livelihood – and, importantly – your bank balance.

  It means if someone gets hurt or their property’s damaged and they say it’s your fault, you don’t have to find the cash to cover medical bills or repairs yourself. And if the case goes to court, your legal fees and compensation can be covered too.

  We insure:

  • Food trucks
  • Barbecue trucks & trailers
  • Coffee & donut carts
  • Food & beverage carts
  • Hot dog carts
  • Ice cream trucks
  • Ice carts
  • Lemonade carts
  • Food concession trailers
  • Mobile food services
  • Mobile food vending services
  • Mobile kitchen operators
  • Mobile street food vendors
  • Snack trucks

• What does food vendor general liability insurance cover?

  • Bodily injury – you spill hot soup over a customer, severely scalding their arm and making you legally liable for their injury.
  • Property damage – a fire in your food truck spreads, damaging a neighboring property.
  • Personal injury – an employee makes unkind remarks about a customer when their back’s turned. The customer overhears and sues for slander.

  Loss or damage to your own property, or property in your care, custody and control, is not covered by this policy.

  

  Read a full summary of what’s covered.

• Does food vendor insurance cover me for events and festivals?

  A general liability policy can cover you for events and festivals, yes. In fact, most organisers require you to have it. Even for a one-day event.

  It’s a policy worth having anyway. If someone claims you damaged their property, or injured them, general liability insurance takes care of the costs. That includes medical bills, repairs and legal costs if the case goes to court.

  For more information read our blog post on food vendor insurance for festivals and events.

• What does food vendor insurance cost?

  Insurance costs vary from business to business. The price you pay will depend on things like:

  • The way you operate: A stationary food stand, for example, faces different risks compared to business running mobile food trucks and trailers.
  • Where you’re based: A stand in a mall with high security is less risky to insure than a food cart on a sidewalk.
  • The deductible you choose: Choose a higher deductible (the amount you’ll contribute towards the cost of a claim) and you’ll typically pay less for your policy. Just be sure you can afford it if there’s a claim.
  • Your claims history: You may pay more if you’ve claimed on a policy before.

• Why should I buy food vendor insurance from InsuranceBee?

  Because we know what we’re doing. Small business insurance is all we do, which means we know what you need, even if you don’t.

  Finding the right coverage can be complicated and takes time. And you’ve got better things to do with yours. Like run your business.

  So let us do all the work for you. We’ll find you the right policy, explain why it suits your needs, and get you covered. Fast.

  Still not convinced? Here are several other reasons to buy food vendor insurance through us:

  

  Manage your policy online
  Make a claim, change your coverage, add people to your policy, or cancel. To save you picking up the phone you can do it all online.

  

  Hassle-free claims
  We make the claims process as smooth as possible. Claim online, knowing our friendly team is on hand if you need us.

  

  Risk tips
  You’ll find business insurance explained in jargon-free language on our blog. And all you need to know about managing risk in our free, downloadable guide.

  

  Email or call us
  Either way you’ll speak to a real person. Our friendly, licensed agents are available Mon-Fri 9am-5pm ET.

What other kinds of insurance do food vendors need?