Pizza Cart Insurance

A Business Owner’s Policy is a cost-effective way to combine essential coverages into one package. It typically includes:

• General Liability Insurance: Covers customer injuries and third-party property damage.

General liability insurance (Often required for permits and participation in public or private events) protects your pizza cart business from common risks such as:

• Slip and fall injuries around your cart.

As a food vendor, you are responsible for the safety of the products you serve. Product liability insurance protects against claims such as:

• Contamination or spoilage of your food products.

If you transport your pizza cart or supplies using a vehicle, commercial auto insurance is essential. It provides coverage for:

• Damage to your vehicle or pizza cart during transit.

If you have employees assisting with your pizza cart, workers’ compensation insurance is typically required. It covers:

• Lost wages during recovery periods.

Most pizza cart operators spend between $800 and $2,500 annually for comprehensive insurance coverage.

The cost of pizza cart insurance depends on factors such as the size of your business, location, number of employees, and the types of coverage you select. Here’s an average breakdown of costs:

• General Liability Insurance: $40–$95 per month ($480–$1,140 per year)
• Business Owners Policy (BOP): $80–$180 per month ($960–$2,160 per year)