Hot Dog Cart Insurance

A hot dog cart insurance policy may include the following types of coverage:

• Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injuries and third-party property damage caused by your regular business activities. For example, if a customer suffers an injury after tripping and falling on or near your cart, you may be liable for their medical expenses. CGL is designed to cover those costs.

• Product Liability Insurance: Product liability insurance is sometimes included with general liability insurance or can be added to your policy. Regardless, it is vital coverage for hot dog cart businesses to protect their finances from claims of third-party bodily injury or property damage caused by the foods they sell to the public. As a professional food handler, you are legally responsible for any foods and beverages you manufacture, distribute, or sell.

• Equipment Breakdown Insurance: Unexpected malfunctions of your hot dog cart or its various components (refrigerator, propane barbecue grill) caused by internal mechanical failures or electrical shorts can quickly put you out of business. Equipment breakdown insurance covers those mishaps by covering repair or replacement costs up to your policy’s coverage limit.

• Commercial Auto Insurance: In all likelihood, you tow or transport your hot dog cart in a trailer hooked up to a car, SUV, pickup, or van. Whatever type of vehicle it is, you need to cover it (and trailers) with commercial auto insurance. Most private-passenger car insurance policies do not cover vehicles used for business purposes, and their coverage limits may be insufficient.

There may be other types of coverage your policy needs. For example, if you have an office or warehouse where you store your hot dog cart and food supplies, you might also need to add commercial property insurance to your policy. Speak to a licensed Zensurance broker if you have questions.