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5 Best Food Cart Insurance & Costs for 2023

Operating a food cart business can be an exciting and rewarding venture. However, it’s important not to overlook the need for proper insurance coverage to protect your business from potential risks and liabilities. This article will provide an overview of food cart insurance, including the various coverage types, requirements, costs, and tips for finding the best providers. By understanding the ins and outs of food cart insurance, you can ensure that your business is well-protected and set up for success.

5 best providers for food cart insurance

Here are the 5 best providers of food cart insurance that we recommend: 

Progressive: Best Overall

Progressive is a market leader in commercial truck insurance, offering a wide range of coverage options specifically tailored to food cart businesses. With their great digital experience, online quotes are easily accessible, and they provide several discounts to help lower your premiums. Progressive’s comprehensive offerings make them an excellent choice for food cart insurance.


  • Market leader in commercial truck insurance
  • Great digital experience with online quotes
  • Offers several discounts to lower premiums


  • May not have the same level of personalized customer service as smaller providers
  • Pricing may not be the most competitive for some coverage options

biBERK: Best for affordable rates and great digital experience

biBERK is known for its affordable rates and seamless digital experience, allowing food cart business owners to obtain and manage their policies completely online. Their competitive pricing and streamlined process make them an attractive option for those looking to save both time and money on their food cart insurance.


  • Affordable rates
  • Seamless digital experience for quotes and policy management
  • Buy and manage policies completely online


  • Limited coverage options compared to some competitors
  • Customer service may not be as personalized as with smaller providers

Simply Business: Best brokerage to compare quotes

Simply Business is a top brokerage firm that allows you to compare several quotes from top-tier carriers in one place. Their platform enables food cart business owners to find the most affordable and suitable coverage by providing a comprehensive view of available options in the market.


  • Compare several quotes from top-tier carriers in one place
  • Helps find the most affordable and suitable coverage
  • Streamlines the process of searching for insurance


  • May not offer the same level of personalized service as a dedicated agent
  • Limited to the carriers in their network

The Hartford: Best for comprehensive coverage

The Hartford is a highly reputable carrier with over 200 years of experience in the insurance industry. They offer comprehensive coverage options for food cart businesses, ensuring that you have the protection you need to safeguard your venture. Their long-standing reputation and extensive coverage make The Hartford a top choice for food cart insurance.


  • Over 200 years of experience in the industry
  • Comprehensive coverage options tailored to food cart businesses
  • Highly reputable carrier


  • Premiums may be higher than some competitors
  • May not have the same range of discounts as other providers

Smart Financial: Best brokerage firm for the cheapest minimum coverage

Smart Financial is an ideal choice for food cart businesses looking for the cheapest minimum coverage required by federal and state law. As a brokerage firm, they help you find the most affordable coverage by comparing quotes from multiple carriers. Their focus on minimum coverage makes them a cost-effective option for businesses on a tight budget.


  • Specializes in finding the cheapest minimum coverage required by law
  • Compares quotes from multiple carriers
  • Cost-effective option for businesses on a tight budget


  • May not offer the same range of comprehensive coverage options as other providers
  • Limited to the carriers in their network

Tips for choosing the right food cart insurance provider

Compare quotes from multiple providers

Before settling on a food cart insurance provider, it’s important to compare quotes from multiple companies. This can help you find the best coverage and rates for your specific needs.

Read reviews and testimonials

Reading reviews and testimonials from other food cart business owners can provide valuable insight into the quality of service and coverage offered by different insurance providers.

Consider the provider’s experience in insuring food carts

Not all insurance providers have experience insuring food cart businesses. Look for a provider with a track record of insuring food carts and a deep understanding of the unique risks and needs of the industry.

Assess the provider’s customer service and claims handling process

Customer service is an important consideration when choosing a food cart insurance provider. Make sure the provider you choose has a reputation for excellent customer service and a fair, efficient claims handling process.

Learn more at the best food truck insurance companies

Food cart insurance requirements

Food cart business is subject to several requirements of insurance by different parties. Below are the details: 

State and local regulations

Each state and local jurisdiction may have different requirements for food cart insurance. These regulations may dictate the types of coverage and minimum coverage limits that your food cart business must have in place. It’s crucial to research and understand the specific insurance requirements for your area, as failing to comply with these regulations can result in fines or even the loss of your business license.

Venue requirements

If you plan to operate your food cart at specific venues, such as festivals, farmer’s markets, or other events, you may need to meet additional insurance requirements set by the venue organizers. These requirements may include providing proof of insurance or listing the venue as an additional insured on your policy.

Health department requirements

Health departments often have strict regulations for food cart businesses, which may include specific insurance requirements. Make sure to check with your local health department for any insurance-related regulations that may apply to your food cart business.

Types of coverage for food cart insurance

Food cart businesses are exposed to several types of risks due to their operational complexities. Therefore, food cart businesses may need several types of insurance coverage for appropriate protection: 

General liability insurance

General liability insurance is an essential coverage for food cart businesses, as it provides protection against claims of bodily injury, property damage, and personal or advertising injury that may arise from your business operations. This coverage can help cover legal fees, settlements, and medical expenses in the event of a claim.

Product liability insurance

Product liability insurance covers claims related to the food products you sell. This coverage is particularly important for food cart businesses, as it protects you from claims related to foodborne illnesses, allergic reactions, or other issues that may arise from the consumption of your products. Product liability insurance can help cover legal fees, settlements, and medical expenses in the event of a claim.

Commercial property insurance

Commercial property insurance protects your food cart, equipment, and inventory from damage caused by events such as fire, theft, vandalism, and certain weather-related incidents. This coverage can help cover the cost of repairs or replacement in the event of a covered loss.

Commercial auto insurance

If your food cart business utilizes a vehicle for transportation or operation, commercial auto insurance is necessary to cover potential liabilities arising from accidents, injuries, or property damage involving the vehicle. This coverage can help cover medical expenses, legal fees, and repair costs in the event of an accident.

Workers’ compensation insurance (if applicable)

If your food cart business employs any workers, you may be required to carry workers’ compensation insurance, depending on your state’s regulations. This coverage provides benefits to employees who suffer work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs.

Other coverages to consider

Depending on your food cart business’s specific needs and risks, you may want to consider additional coverages, such as business interruption insurance (to cover lost income due to a covered event that disrupts your operations) or equipment breakdown coverage (to cover the cost of repairs or replacement for essential equipment that breaks down).

How much does food cart insurance cost? 

The average cost of a comprehensive food cart insurance policy is $216 per month. The policy includes the main coverage that a food cart business would need. Below are the average costs of different food cart insurance coverages: 

Food cart insurance coverageAverage costs 
General liability insurance $76 per month 
Commercial auto (truck) insurance $114 per month 
Food liability insurance $26 per month 

These are just the averages. Your rates will be different. Be sure to shop around with a few companies or work with a broker like Simply Business or Smart Financial to find the cheapest one for your food cart business. 

Learn more about food truck insurance cost

Factors affecting food cart insurance cost

Several factors affect food cart insurance costs. Below are the main ones: 

Type and size of food cart

The type and size of your food cart can influence the cost of your insurance premiums. Larger or more complex food carts may require higher coverage limits and additional types of insurance, which can result in higher premiums.

Location and operation hours

The location and hours of operation of your food cart can also impact your insurance costs. Operating in a high-traffic area or during peak hours may increase the likelihood of accidents, injuries, or other incidents, which can result in higher insurance premiums.

Coverage limits and deductibles

The coverage limits and deductibles you choose for your food cart insurance policy will directly impact your premium costs. Higher coverage limits provide more protection but come at a higher cost, while lower deductibles may result in higher premiums.

Claims history

Your claims history plays a significant role in determining your food cart insurance costs. If your business has a history of frequent claims, you may be considered a higher risk, leading to higher insurance premiums.

Safety measures and risk management practices

Implementing safety measures and risk management practices in your food cart business can help reduce the likelihood of accidents, injuries, and other incidents. This can lead to lower insurance costs, as insurance providers may view your business as a lower risk.

How to find cheap food cart insurance? 

Below are some tips that can help you find cheap food cart insurance: 

Shop around for the best rates

One of the most effective ways to reduce your food cart insurance premiums is to shop around and compare quotes from multiple insurance providers. This can help you find the best coverage and rates for your specific needs.

Bundle coverages with one provider

Many insurance providers offer discounts for bundling multiple coverage types with their company. By obtaining all of your food cart insurance coverages from a single provider, you may be eligible for a discount on your premiums.

Implement safety and risk management practices

Taking steps to improve the safety of your food cart operations can help lower your insurance costs. Implementing risk management practices, such as employee training, regular equipment maintenance, and strict food safety procedures, can reduce the likelihood of accidents, injuries, and other incidents, making your business a lower risk in the eyes of insurance providers.

Regularly review and update your coverage

It’s important to regularly review your food cart insurance coverage to ensure that it remains adequate for your business’s needs. As your business grows or changes, your insurance needs may evolve as well. By periodically reviewing and updating your coverage, you can ensure that you’re not overpaying for unnecessary coverage or leaving your business exposed to potential risks.


Protecting your food cart business with the right insurance coverage is crucial to ensuring its success and longevity. By understanding the various types of coverage available, the factors that affect your insurance costs, and the best providers in the industry, you can make informed decisions about your food cart insurance needs. Be sure to compare quotes, read reviews, and consider the provider’s experience in insuring food carts to find the best coverage for your business.

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