Food Cart
Insurance
🛒 Insurance built for food carts

Coverage for your cart, wherever it stands.

Whether you roll between farmers markets and festivals, hold down the same corner every day, or run a kiosk inside a mall, your cart carries real risk. Get General Liability and Inland Marine coverage for the cart itself — request a fast, free quote or buy a policy online in minutes.

Get My Free Quote →See What It Costs
A red hot dog cart with a striped umbrella set up on a city sidewalk
Fast, free quotes
Request coverage in a few minutes
GL & Inland Marine
The coverage most cart owners need
Indoor & outdoor eligible
Street carts and mall kiosks both covered
COI included
Generate a certificate of insurance online after you bind

Built for how carts actually operate

A food cart isn't a food truck — it doesn't drive itself to the next spot, and it often isn't insured under any auto policy at all. We ask the right questions for your setup.

Mobile Food Carts

Carts that move between farmers markets, festivals, and event bookings. We price for a schedule that changes week to week.

Permanent-Location Carts

A cart parked in the same lot, sidewalk stand, or corner every day. A fixed address changes the underwriting picture — in your favor.

Mall Food Kiosks

Indoor kiosk-format vendors inside malls and shopping centers — a different exposure than an open-air street cart, and one property management will ask about by name. See our mall kiosk coverage guide →

Two policies every food cart should know

Most operators start with these. We'll help you request the right mix for your setup.

A red and yellow hot dog cart with an umbrella set up on a city street

General Liability

Protects your business if a customer is injured or property is damaged — a slip near the cart, a burn from hot food, or a foodborne-illness claim. Malls, markets, and cities almost always require it.

Learn about GL for food carts →
A street food vendor preparing food at a busy market stall

Inland Marine

Unlike a food truck, your cart usually isn't covered by any commercial auto policy. Inland marine is the separate property line that protects the cart itself and its grills, fryers, and refrigeration against theft, fire, and damage.

Learn about inland marine →

Towing a food trailer instead of a cart, or catering off-site events too? We quote those too:

🚛 Food Trailer Insurance🍽️ Catering for Food Carts

How a Certificate of Insurance Works

Renting a space or working a job site? Here’s how you go from “I need insurance” to the venue, landlord, or general contractor holding proof of your coverage — often the same day.

Step 1

You Apply

A contractor, vendor, or anyone renting a space answers a few questions about the work or event.

Step 2

Coverage Is Bound

A general liability policy is issued in your business name — often within minutes.

Step 3

COI Is Generated

You provide the certificate holder's full name and address, and a certificate of insurance is created showing your coverage, limits, and dates.

Step 4

Certificate Holder Gets Proof

The COI is delivered straight to the venue, landlord, or general contractor. You're cleared to sign the lease, book the space, or start the job.

More on certificates of insurance for food carts →
A spread of catered food displayed on a table at an event

Also cater off-site events?

If you cook food off-site and deliver it to weddings, corporate events, or private parties in addition to regular cart or kiosk service, that's a different exposure — and one we ask about on the quote form so it gets priced correctly.

See catering coverage for food carts →

How it works

1

Tell us about your setup

Share a few details — mobile cart, permanent-location cart, mall kiosk, or trailer, address, gross receipts, and the coverage you want.

2

We connect you with someone

A licensed insurance professional reviews your needs and finds fitting options.

3

Get covered

Compare and bind coverage — or buy an eligible policy online instantly, with a COI generated for your certificate holder.

Request your free quote

Takes about 3 minutes. No obligation.

Your contact information
About your food cart business
Which best describes the operation? * (check all that apply)

Both indoor mall kiosks and outdoor street carts are eligible.

Business address
A few numbers
$
Staffing
Any employees? *
Any 1099 subcontractors used? *
About your cart, kiosk, or trailer
Is food cooked and served from the cart? *
Do you sell more than 25% raw or uncooked food? *Example: sushi
Do you want to purchase coverage for the cart or trailer itself (inland marine)? *Unlike a food truck, the cart typically isn't covered by an auto policy — this protects the physical cart, grills, fryers, and refrigeration.
Do you provide catering services in addition to regular cart/kiosk service? *Meaning food is cooked off-site and delivered to an event such as a wedding.
What coverage are you interested in? *
Claims & contract requirements
Any prior claims in the last 5 years? *
Specific contract requirements to meet? *e.g. a mall, venue, or landlord COI requirement
9 questions still need an answer before you can submit.

🔒 Your information is secure and never sold to third parties. Submitting a request does not bind, guarantee, or confirm coverage.

General information only. This page is for educational purposes and is not insurance, legal, or financial advice. Coverage, terms, and availability vary by carrier, state, and individual risk. See our full disclaimer.