🍽️ For carts that also cater

Catering Insurance for Food Carts

An add-on for cart and kiosk owners who also cook off-site and serve at weddings, corporate events, and private parties.

Plenty of cart and kiosk owners pick up extra business by catering events on the side — a wedding on Saturday, a corporate lunch on Tuesday. That's a genuinely different exposure from regular walk-up service, and it needs to be disclosed so your policy actually responds if something goes wrong at an event.

Why catering is priced differently

Off-site catering means food is prepared away from your usual location and served in an environment you don't control day to day — a rented hall, a private backyard, an office building. Underwriters want to know about that activity and the revenue it represents.

What our quote form asks

Do you provide catering services in addition to regular cart or kiosk service?
If yes: your estimated gross receipts from catering

That's it — two questions layered onto your regular quote request, so a single submission covers both your everyday cart operation and your catering side business.

Venues almost always want a certificate of insurance

Wedding venues, banquet halls, and corporate event hosts commonly require proof of General Liability coverage — a certificate of insurance naming the venue as additional insured — before you're allowed to set up and serve. Once your policy is bound, a COI can typically be generated quickly for each event.

Frequently asked questions

What counts as catering versus regular cart service?

Catering means food is prepared off-site — not sold directly from your cart's window to walk-up customers — and delivered or served at a specific event, like a wedding, corporate lunch, or private party.

Do I need separate insurance for catering?

Not always a separate policy, but it is a different exposure that needs to be disclosed and priced. Our quote form asks whether you cater off-site events and, if so, your estimated gross receipts from catering — so your General Liability quote reflects the actual risk.

Does the event venue require a certificate of insurance for catering?

Very often, yes. Wedding venues, event spaces, and corporate hosts typically require a certificate of insurance naming the venue as additional insured before you're allowed to serve on-site. See our certificate of insurance guide for how that's generated.

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.

Get your free quote — cart plus catering

Takes about 3 minutes. No obligation.

Your contact information

First Name *

Last Name *

Email *

Phone *

About your food cart business

Business Name / DBA *

Entity Type

Describe the business (cuisine, locations, events, etc.)

Which best describes the operation? * (check all that apply)

Is the cart or kiosk indoor or outdoor?

Both indoor mall kiosks and outdoor street carts are eligible.

Business address

Street Address *

City *

State *

ZIP *

A few numbers

Estimated Gross Receipts (next 12 months) *

Number of Owners Active in the Business *

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? *

General Liability

The foundation — third-party bodily injury and property damage.

Inland Marine

Covers the cart or trailer itself and its equipment — grills, fryers, refrigeration.

Workers' Compensation

If you have employees working the cart or kiosk.

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.

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