Insurance for Vending Machine Operators
Get business insurance with optimized coverage to meet your exact needs
Leave your email so that your quotes will be sent directly to your inbox.
We won't spam you, we hate it too.
Prefer to speak with a CoverWallet consultant? Call (646) 844 -9933 anytime.
Coverage Plans for All Your Needs
Essential coverages for your vending machine business
General Liability (GL)Instant quote »
- Coverage against claims from bodily injury, property damage and personal injury
- Coverage for products/completed operations
When you also have equipment or operate from a store
General Liability + Property (bundle them with a BOP)Instant quote »
All Basic plan benefits and:
- Bodily injury
- Damage to third party property
- Business personal property
- Personal injury
- Lost business income
- Equipment breakdown
Get protected against employment-related issues
Business Owners Policy (BOP) + Workers Compensation*Instant quote »
All Standard plan benefits and:
- Coverage for work-related accidents and disease and subsequent:
- Ongoing medical care (such as rehab)
- Missed wages during recovery
- Ongoing medical care (such as rehab)
*plus Workers Compensation
We've Got You Covered with Coverage You Need
As a vending machine operator, you have expensive trucks and employ drivers who spend a lot of time on the road. Coverage of employees and business assets is essential in case of incidents that may harm them, third-parties or the sites on which you deliver. If you have a warehouse there is the possibility of damage as well as property damage where you deliver, so keep it all covered.
Hired & Non-Owned Auto
Hired & Non-Owned Auto covers liability expenses when a vehicle is used for work purposes but your business doesn't own the vehicle. This included vehicles rented for temporary purposes like when doing events and employees using their own cars to conduct work errands. It will cover medical treatment and vehicle repair damage when a vehicle is involved in an accident.
Usually a state-mandated insurance, Workers' Compensation will provide cash benefits and medical care when your employee gets sick or injured on the job. It also provides cash benefits for lost wages for until the employee is able to work again.
Theft and vandalism is a common occurrence in vending machines. Protect your business from these incidents by carrying this insurance. Crime Insurance will cover the expenses from the merchandise, money or property loss when your business is victimized by someone perpetrating the crime. It covers expenses for forgery, robbery, or any other form of business-related crime.
Product Liability insurance provides protection for when your vending machine business is responsible for putting a defective product in the vending machine that caused injury to the customer who bought it. The insurance also protects your business should you need to recall one of your vending machines.
Inland Marine is a type of vending machine insurance that deals with moving your business property from one location to another. It protects your business when your vending machine is in transport and has suffered an accident that incurred losses to your business.
General Liability protects your business from property damage, third-party bodily injuries and advertising mistakes that your business has incurred. It pays the cost to defend or settle a suit, and medical expenses that could happen from a "general" claim like for example a slip and fall claim.
Frequently Asked Questions
What risks could a vending machine operator face?
Vending machines risk damage from time to time because they are often left unattended. During transport, vending machines could get damaged or destroyed in an accident or during loading or unloading. You are also responsible for the products sold in the vending machine including the cause of a customer's illness. Your employees could charge you for employer negligence when they got sick or injured on the job.
My vending machine accepts credit cards. Should I get Cyber Liability?
Yes. Your vending machine could be tampered without your knowledge that puts your customers' credit card at risk. If that happens the cost of informing your customers, credit monitoring and court expenses could put a huge dent in your business expenses. Cyber Liability will pay for these costs as long as you are within the limits of the vending machine insurance.
Why does a vending machine need insurance?
A common misconception is that there is no risk if you don't own the property where your vending machine resides. However, you are faced with a unique set of risks that could instantly destroy your business reputation and well-being. You risk financial ruin from fire, flood, auto accidents and many other perils. And because vending machines aren't monitored all the time, they could be stolen or vandalized and cost you a lot in repairs or replacement.
My employees use their personal car to restock the vending machine. How can I insure them?
Since your employees conduct business operations, you need to insure them with Commercial Auto insurance. Commercial Auto insurance is similar to personal auto insurance but with higher limits and better coverage. Moreover, if they are involved in an accident at the time they are tasked to restock the vending machine, a personal auto insurance won't be able to cover it since it is regarded as a business operation.
Peace of Mind, At Your Fingertips
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
We are making headlines!
The Power Behind CoverWallet
Algorithms, Science, Magic!
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
Customized, Intelligent Application
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
State of the Art Technology
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.