Does food cart insurance cover equipment damage or spoilage?

Yes! If your policy includes the relevant add-ons: 

  • Equipment Coverage (Inland Marine) – Covers stolen or damaged gear on the go.  
  • Spoilage Coverage – A critical add-on if perishable items spoil—for instance, due to power loss.  
  • Product Liability – Protects against claims related to spoiled or contaminated food. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.