Vending Machine Insurance

small business owner protected by Vending Machine Insurance

Select the Best Vending Machine Insurance Coverage for You

From restocking snacks to machine maintenance, your business has a lot of moving parts. The Hartford can help provide you with vending machine insurance, so you can concentrate on serving your customers.
 
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small business owner protected by Vending Machine Insurance

What Does Insurance for Vending Machines Cover?

Vending machine insurance is a collection of coverages for vending machine owners, installers and servicers of machines that are not located directly on the insured’s property.
 
Whether you’re selling protein drinks at the gym or candy on campus, it’s important to have insurance for property damage, loss of inventory or bodily injury. You’ll need to be prepared for potential risks like food poisoning from power outages or customer injury from machine malfunction.
 
The Hartford offers business insurance that can help cover products sold through vending machines like:
 
  • Toiletries
  • Beverages
  • Snacks
  • Prepared foods
  • Candy
  • Laundry supplies
device protected by insurance for vending machines

What Is Not Covered by Vending Machine Insurance?

Some types of vending machines may not be covered under vendors insurance with The Hartford. However, we can work with you to find other insurance offerings that might protect your business.
 
Items not covered in typical vending business policies include:
 
  • Photo booths
  • ATMs
  • Outdoor locations
  • Hot beverage dispensers
  • Tobacco products
  • Electronic cigarettes
small business owners happy to know vending machine insurance cost

How Much Does Insurance for Vending Cost

While our customers pay an average of $141 a month for a Business Owner’s Policy (BOP), there isn’t one set price for vending business insurance.** Many factors influence the cost of insurance, including:
 
  • How many machines you have
  • The products you offer
  • The kinds of payments you accept
  • The types of additional insurance you purchase
machine protected by vending insurance

You Won’t Have To Wait With Us

We know how important your time is. That’s why we offer the option to get your proof of insurance instantly online.

Covering Your Operations

Your vending machine business is designed to operate on its own, so you aren’t always there when things go wrong. With the right insurance coverage, you can have peace of mind knowing your company is better protected from customer lawsuits or damages.
In 2023, emergency departments reported 12.7 million people were treated for injuries resulting from consumer products.2
 
 
 
Business Property Insurance for vending machines

Business Property Insurance

“An electrical mistake caused our machine to catch on fire. It was damaged beyond repair and had to be replaced.”
 
Business property insurance, also called commercial property insurance, helps protect your owned or rented building, tools and the equipment you use to operate your business.
Data Breach Insurance for vending machine businesses

Data Breach Insurance

“Someone placed a credit card skimmer on our machine and used the stolen numbers to make charges on our customers’ cards.”
 
If personally identifiable information is stolen from your business, data breach insurance, also called cyber liability insurance, can help cover your costs to respond.

Protecting Your Property

You pay a lot for your vending machine equipment and supplies. Having the right type of coverage helps protect your vending machines and can bring you peace of mind in case an accident occurs.
Vending machine operators can spend over $10,000 on a new vending unit.3
 
 
 
Business Owner’s Policy for vending machines

Business Owner’s Policy

“My machine was forced open, and many of the items inside were stolen, as well as the cash in the machine.”
 
A Business Owner’s Policy (BOP) combines business property and liability insurance into one. It can help cover damages to your building, machinery and equipment after a covered loss.
franchise upgrade coverage for vending machines

Franchise Upgrade Coverage

“One of my machines shorted out beyond repair and had to be scrapped. My franchise contract required me to invest in an expensive upgrade, which I hadn't budgeted for.”
 
Franchise upgrade coverage helps pay additional costs that franchisees may incur to upgrade damaged property to franchise standards following a covered loss.

Taking Care of Your Team

Whether installing machines or filling inventory, your employees keep your business humming along. Help protect them with vending machine insurance.
The average cost of employee accidents that occurred in 2021 to 2022 was $44,179.4
 
 
 
Workers’ Compensation Insurance for vending machine businesses

Workers’ Compensation Insurance

“While filling our machine, an employee hurt his hand when the motorized parts malfunctioned. Our insurance covered his medical bills.”
 
Workers’ compensation insurance can help small business owners by providing important benefits to employees for work-related injuries or illnesses.
Commercial Auto Insurance for vending machines

Commercial Auto Insurance

“My delivery driver was injured in a crash. The other driver did not have any car insurance.”
 
Commercial auto insurance can help pay for property damage and medical expenses for anything from a fender bender to a fatal accident.

Vending Machine Insurance Made for Your Business

When it comes to insurance, you’ll want to partner with a company you can trust. With more than 200 years of insurance experience, The Hartford understands the unique risks you face when owning a vending machine. That’s why we offer insurance coverage designed specifically for your business.

Frequently Asked Questions About Insurance for Vending Machine Businesses

Vending machine insurance is a type of coverage for vending machine owners, installers, fillers and servicers of machines in an offsite location from the insured’s premises. 
 
Products sold through the vending machine may include maps, toiletry items, playing cards, laundry soap, candy, sandwiches, gum, popcorn, sodas, cookies and chips.
 
Products not covered under vending policies are tobacco products, electronic cigarettes and hot beverages.
 
It’s important to note that vending machines located outdoors, ATM machines and photo booths - whether in a permanent location or rented out on a temporary basis for events like weddings, birthday parties and proms - are not eligible for vending coverage.
If you’re ready to start your own vending machine business, consider these first steps: 
 
  • Research types of machines
  • Decide if you want to own or rent
  • Discuss financing with money lenders
  • Explore the many options to sell
  • Find an inside location with potential
  • Make an agreement with the site owner
  • Install machines adhering to guidelines
  • Keep track of inventory and restock when necessary
Look to The Hartford for small business insurance that fits, whether you’re cooking up tacos in your food truck or frosting wedding cakes. Other businesses we can help protect include:
 
small business owner protected by insurance for vending machine businesses

Get a Quote for Insurance for Vending Machine Businesses Today

Find the insurance coverage you need to keep your vending machine company running smoothly. Get a quote from The Hartford today.
 
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Last Updated: April 10, 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.
2 National Safety Council - Consumer Product Injuries - Injury Facts (nsc.org)
 
3 How To Start a Vending Machine Business: Cost, Tips, Pros and Cons – NerdWallet
 
4 National Safety Council - Workers’ Compensation Costs - Injury Facts (nsc.org)
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.
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