Food Vendor Insurance

You can save up to 25% in discounts with instant coverage.*

Choose your primary coverage to get started:

Featured On

Rated 4.7/5

(5056 reviews)

Food vendor insurance can help protect you from:

Theft

Burglary means that expensive equipment and inventory needs to be replaced – fast.

Injury or illness liability

A customer files a lawsuit or asks for medical payments to cover an injury or claims of food poisoning.

Property damage and vandalism

A fire, water damage or power outage can damage equipment and inventory.

Liquor Liability

If an intoxicated customer breaks something or causes an injury you could be held liable.

Customized food vendor insurance that’s ready to serve

NEXT makes it fast, easy and affordable to get food vendor insurance tailored to your business — whether you’re slinging tacos at a street fair or vending from your food truck at the park.

Our coverage can help protect food vendors from the everyday risks of serving, prepping, selling and getting from gig to gig. And we offer flexible monthly payment plans to help you manage cash flow.

Get a free quote, buy 100% online and get shareable proof of insurance in about 10 minutes.

Note that NEXT does not sell one-day vendor insurance policies.

What type of food vendor insurance do you need?

Most food vendors choose more than one policy for extra protection for their business. Some options include:

General Liability insurance

Protection for injuries, accidents and damage you may cause

General liability coverage is one of the most common types of business insurance for food vendor businesses. And it’s often requested by event organizers and venues who require proof of coverage. Liability insurance can help provide financial protection for some common accidents, such as medical costs if a customer gets hurt at your food trailer.** Or if you accidentally damage someone else’s property while you’re working and it will cost you for repairs or replacement.

general liability can help you pay for:

Medical payments for non-employees injured at your business

Accidental property damage you cause to someone else’s property

Some legal fees and judgments

Commercial Auto insurance

If you drive a business-owned vehicle for work, commercial auto coverage can help pay for some damages after an accident. Note that personal auto insurance policies don’t usually apply when you’re driving for work. For mobile food vendors, a commercial auto policy could be a huge help if you’re vending on the go.

commercial auto can help you pay for:

Collision repairs

Rental vehicle reimbursement

Medical bills

Workers’ Compensation insurance

For business owners who hire employees

Workers’ compensation coverage is required in most states if you have employees. This type of coverage can help pay for medical bills and lost wages if one of your employees gets hurt on the job. You can also choose to purchase workers’ comp to cover yourself even if you don’t have employees.

workers compensation can help you pay for:

Medical expenses for workers who suffer work-related injuries and illness

Lost wages for hurt workers in recovery

Employer liability coverage to help protect your business if an employee files a lawsuit

Commercial Property insurance

For business owners who own or rent physical spaces

A commercial property policy can help cover some costs to repair damage or theft to your business property, such as equipment, cooking gear or inventory. It can be helpful for food vendors who own valuable food prep tools or vending equipment.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Product Liability insurance

For business owners who make or sell products

Product liability coverage — included in NEXT’s general liability insurance for food vendors — can help cover some costs of injuries, damage and legal fees related to the products you make or sell. If one of your customers gets ill from your special of the day and they want you to cover the medical costs, this policy can help.

product liability can help you pay for:

Repairs and replacements if a defect with your product damages someone else’s property

Medical costs if a defect with your product causes injuries

Legal costs if someone takes legal action around a defect with your product

ERGO NEXT Insurance reviews

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

Small business insurance

I thought ERGO NEXT was easy to use, great rates and outstanding follow-up.

Taylor M.

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

Myles C.

Great!

Hassle free and great to work with. Affordable.

Anthony G.

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

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

Pay monthly or annually, and you can cancel 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 vendor insurance cost?

To find out exactly how much food vendor insurance will cost for your small business, get a free instant quote online — no insurance agent required. Your quote is customized for your particular risks. Some factors that affect your insurance cost include:

Your type of business (food truck, tent vendor, etc.)
Your business structure (sole proprietor, LLC or a corporation)
Your business location
Number of employees
Your past claims history
Your revenue or business income
The insurance types, limits and deductibles you need

NEXT offers discounts of up to 10% when you combine multiple policies.

What can food vendor liability insurance cover?

Business insurance for food vendors can help protect against some common risks and accidents for your mobile or festival business such as:

Slip-and-fall injuries near your setup
Property damage at an event or venue
Equipment breakdown or theft
Damaged inventory
Food-related illnesses or product liability
Medical costs if a customer or employee get hurt at work
Vandalism
Vehicle damage during transport

Food vendor insurance FAQ

If you don’t find answers here, our licensed, U.S.-based insurance advisors are standing by to help.

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.