Food Cart Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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How much does food cart insurance cost?

ERGO NEXT Insurance is a one-stop shop to help you get the food cart insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Commercial auto
Workers’ compensation
Commercial property

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We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for food carts and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of food cart accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by local governments.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

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What customers say about us

Easyest people to work with.

Paul F.

Excellent

Excellent experience

Darrin J.

Texuseatabowl.com Rodeos all year Round

Quick Easy Successful Next Insurance

Edward L.

Very knowledgeable staff, boy did I have questions

Great!

James L.

Easy and Quick

Getting insurance online was super smooth and when I had to do some changes Maria was able to assist me. She was so calm and very patient to my needs. It was a perfect experience o...

Irene A.

Easyest people to work with.

Paul F.

Excellent

Excellent experience

Darrin J.

Texuseatabowl.com Rodeos all year Round

Quick Easy Successful Next Insurance

Edward L.

Very knowledgeable staff, boy did I have questions

Great!

James L.

Easy and Quick

Getting insurance online was super smooth and when I had to do some changes Maria was able to assist me. She was so calm and very patient to my needs. It was a perfect experience o...

Irene A.

You can save up to 25% in discounts on food cart insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does food cart insurance cost?

Food cart insurance costs vary based on the risks that your business faces, such as:

The type of cart you own or operate
Where you operate your cart
If you have any employees
The type of vehicles you use for work

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Everything you want to know about Insurance

Food cart insurance requirements

Food carts are almost always required to have insurance due to the risk of injury to customers and damage to property. You might need insurance to:

Start selling food from your cart. Property owners and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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Frequently asked questions about business insurance

Here are some of the most common questions we get about commercial insurance for food carts, including mobile food cart insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect food carts?

Our affordable food cart insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You miscalculated the height of an awning and ripped it down with your food truck. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

Your cart’s wheel goes over a customer’s foot and fractures a toe. Your food cart general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

You trip over a large crack in a sidewalk and sprain your ankle. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your food cart rolls into a parked car and dents the rear bumper. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A fire in your storage space leaves your food cart unusable. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.