Coffee Cart Insurance

A Business Owners Policy bundles essential coverages into one comprehensive and cost-effective package. It typically includes:

• General Liability Insurance: Covers customer injuries or property damage.

General liability insurance is often required for operating in public spaces and at events. It protects your business from common risks such as:

• Property damage caused by your cart or equipment.

Serving food and beverages comes with the risk of customer claims related to:

• Allergic reactions or foodborne illnesses caused by your products.

If you use a vehicle to transport your coffee cart or supplies, commercial auto insurance is a must. This coverage ensures you’re protected both on the road and at your destination, offering protection for:

• Accidents while driving to events or locations.

If you have employees working at your coffee cart, workers’ compensation insurance is often legally required. A policy typically covers:

• Medical expenses for employees injured on the job.

The cost of coffee cart insurance depends on factors like your cart’s size, location, number of employees, and coverage needs. Here’s a general breakdown:

• General Liability Insurance: $40–$80/month ($480–$960/year)
• Business Owners Policy (BOP): $60–$170/month ($720–$2,040/year)