Food Vendor Insurance

small business protected by Food Vendor Insurance

Food Vendor Insurance Made To Serve Your Business

Food vendor insurance helps protect your business from the unique risks you face every day. Get the coverage you need so you can focus on making delicious meals and food, serving your customers and keeping your business successful.
 
Quote Today
small business protected by Food Vendor Insurance

What Is Food Vendor Insurance?

Food vendor insurance helps protect food vendors from different risks. This type of business insurance is also known as concession insurance or one-day food vendor insurance.
 
Whether it's slip and falls, employee injuries or property damage, you face risks during normal business operations. A few common types of coverage that can help protect your food vendor business from these risks are:
 
  • General liability insurance
  • Commercial property insurance
  • Workers' compensation insurance
With food vendor insurance, you’ll have peace of mind knowing you’re better prepared for whatever comes your way.
small business owner giving testimonial on having food vendor insurance from The Hartford

Hear From Our Customers

“I have been with The Hartford since I started 23 years ago. It’s nice that they don’t bother you, but they’re there when you need them, and that's what counts.”
– Diane Wagemann, Owner, Chocolatier & Chef of Divine Treasures
small business protected by mobile food vendor insurance

Who Needs Food Vendor Insurance?

Businesses that make and sell food to customers or other companies need food vendor insurance. This includes:
 
  • Bakeries, both home-based and commercial
  • Pastry shops
  • Bakery distributors
  • Cake shops
  • Manufacturers of bread, rolls, pies, cookies and pretzels

What Types of Insurance Do Food Vendors Need?

Many food vendors start with a BOP. It combines three essential types of coverage that many small business owners need:
 
Each state has different requirements for business insurance, so depending on where you live, you may need to carry certain types of coverage. For example, most states require employers to carry workers' compensation insurance.
baker knows food vendor insurance cost

How Much Does Food Vendor Insurance Cost?

The cost of food vendor insurance varies because every business owner has unique needs. Here are the average costs customers of The Hartford pay for a few common types of insurance:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
Remember, insurance costs vary because insurers use different factors to determine rates. This means your food vendor insurance cost may be different than the average.
 
The best way to find out how much insurance coverage will cost your business is to get a quote.
business owner protected by food vendor liability insurance

Proof of Insurance Whenever You Need It

We know how important your time is. That’s why we make it easy to get your certificate of insurance (COI) instantly online.

Protecting Your Operations

From fire damage to customer injuries and lawsuits, you face unique risks as a food vendor. Getting the right type of business insurance coverage means better protecting your business against the unexpected.
Ranges were involved in 53% of cooking-related fires in homes between 2017 and 2021.4
General Liability Insurance for food vendors

General Liability Insurance

“We had just swept and mopped our floors when we had a rush of customers come in our store one afternoon. A customer slipped and fell to the ground, and we had to call an ambulance.”
 
General liability insurance, or food vendor liability insurance, can help protect your business if it causes an injury to someone else. These types of risks aren't uncommon.
business income insurance for food vendors

Business Income Insurance

“Another business in our building had a fire and it spread to our shop. We had to close down for a week while all the smoke damage was getting fixed.”
 
Business income insurance can help you pay for ongoing expenses, like payroll or rent, if you can't operate because of covered property damage.

Protecting Your Team

Your employees are important to the success of your business. If they suffer from a work-related injury or illness, making sure they have the coverage to recover and return to their job is essential.
Nearly 4 out of 100 full-time employees in bakery manufacturing experienced a nonfatal workplace injury or illness in 2022.5
workers' compensation Insurance for food vendors

Workers’ Compensation Insurance

“One of my pastry chefs cut himself while working. He had to go to urgent care to get stitches and had to take some time off from work while it healed.”
 
Workers' compensation insurance gives your employees benefits if they suffer from a work injury or illness, helping pay for medical bills and lost wages if they’re unable to work.
commercial auto Insurance for food vendors

Commercial Auto Insurance

“One of my employees was headed to the bank to drop off our daily deposit. On the way, he lost control of our business van and crashed into a guard rail.”
 
Commercial auto insurance helps protect you and your employees on the road if you're driving a business-owned vehicle for work.

Protecting Your Property

If the equipment or property you use to operate your food vendor business gets damaged or destroyed, you could face expensive repair or replacement costs. Business insurance can help cover those costs, stepping in to fix or replace what’s damaged so you can keep your food vendor business going.
The estimated cost for bakery equipment ranges from $20,000 to $40,000, depending on the type of operation.6
commercial property coverage for food vendors

Commercial Property Insurance

“Someone broke into our cake shop one night and stole equipment from our kitchen. We had to replace everything that was stolen to keep running our business.”
 
Commercial property insurance can help replace the equipment, tools, building or inventory you use to operate your business.
Hired and Non-Owned Auto Insurance for food vendors

Hired and Non-Owned Auto Insurance

“My baker was using his car to pick up ingredients and supplies when he accidentally rear-ended someone. The other driver had to go to the hospital for medical care.”
 
If your food vendor business uses personally-owned vehicles for business, hired and non-owned auto insurance can protect it from bodily injury or property damage claims from an accident.

Food Vendor Insurance Made for Your Business

The Hartford is backed by more than 200 years of experience, we know the unique risks that food vendors face. Our specialists can work with you to help you get the right type of business insurance.
 
Other types of industries The Hartford can help protect include:
 

FAQs About Food Vendor Insurance

A vendor's insurance policy is a type of business insurance designed to help protect vendors against a range of potential risks and liabilities.
A certificate of insurance (COI) for vendors provides proof that you have coverage. A customer or client may ask to see a COI before working with you. You can easily get a COI online from The Hartford at any time of day or night.
business protected by one day food vendor insurance

Get a Quote for Food Vendor Insurance 

Having the right type of insurance means food vendors can focus on what’s most important to them – running their business and serving their customers.
 
Get a Quote
 
 
Last Updated: April 9, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
4 National Fire Protection Association, "Home Cooking Fires"
 
5 U.S. Bureau of Labor Statistics, "Injuries, Illnesses, and Fatalities: Incidence rates of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2022"
 
6 Toast, "How Much Does It Cost to Open a Bakery?"
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
Get a Business Insurance Quote