How to Find Insurance for Your Hot Dog Cart
As a hot dog vendor, you need to have insurance for your hot dog cart or hot dog stand. Simply put, you need to make sure you are covered before even leaving your house to sell a bun. This coverage for a hot dog cart is something that you can't find as easy as car insurance, but it isn't too hard either. Here's how!
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Instructions
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Start by contacting your current insurance agent to see if they offer coverage for your hot dog cat under any of your house insurance. If you declare this as a hobby (which it is technically until you start making money) you may be able to hold off on buying more insurance coverage at the beginning for your hot dog carts.
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Some insurance companies require your hot dog carts to place this type of business under an umbrella coverage for small businesses. This would cover any issues you had with the hot dog cart and equipment but would be limiting in liability coverage. Ask your agent if you can tack it onto any business insurance you might have.
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Some states require restaurants (which is what your hot dog cart would be with a health department license) to have special insurance in addition to basic coverage. The hot dog cart insurance would cover if someone became ill eating your hot dogs or if there was an accident relating to any food aspect. This information can be found quickly by contacting the local health department.
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If the hot dog cart is a mobile unit, you will need to get trailer insurnace coverage, just as you would a travel trailer as it will be on the roads. This would be in addition to whatever coverage your insurance would recommend for the actual business of selling hot dogs.
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