How much does Vendsurance coverage cost?

Coverage cost depends on your machine count, machine types, and locations. Most solo operators with a moderate-sized route find Vendsurance policies very affordable — often less than what a single vandalism incident would cost out of pocket.

Can I add vending or amusement machines to my Vendsurance policy mid-term?

Yes. Vendsurance policies are designed to flex with your operation. Contact us when you add machines and coverage will be updated accordingly — no need to wait until renewal.

How do I file a claim with Vendsurance?

All Vendsurance policies are underwritten, serviced, and maintained by Authentic Services, Inc., a nationally licensed insurance provider. Policyholders receive a direct claims contact and 24/7 claims reporting access. Most straightforward property claims are resolved within 7–14 days.

Know Your Risks

One Incident.
One Lawsuit.
Everything Gone.

Q: Do vending machine operators need insurance if the location already has coverage?

Yes. The location's insurance covers the location, not your equipment and not your liability as a vendor. If someone is injured by your machine, you are the liable party, not the property. Most locations that carry their own insurance also require vendors to carry theirs separately.

Q: Does Vendsurance cover route trucks and service vehicles for vending operators?

Yes. Vendsurance offers route vehicle coverage as part of a comprehensive operator policy. Personal auto insurance typically won't cover commercial use, making dedicated route vehicle coverage an important part of a complete vending operator insurance plan.

Vending and amusement operators face real risks every day — and most aren't covered. Here's what's actually at stake.

Speak to a Licensed Agent (334) 454-3100

Vending machine operator managing their route

The Risks Are Real

These aren't hypotheticals. These are things that happen to operators every single week across the country.

A Customer Gets Injured by Your Machine

A child reaches into a claw machine and gets hurt. A vending machine tips over. A candy dispenser malfunctions and someone chokes. Liability claims from vending machine incidents can easily exceed $100,000 in legal fees and settlements — and your personal assets could be on the line.

A Machine Gets Stolen or Vandalized

It's more common than you think. Coin mechanisms pried out. Screens smashed. Entire machines loaded into a truck overnight. A single stolen or destroyed machine can cost $500–$5,000+ to replace, and most operators have machines at dozens of unmonitored locations.

Equipment Breakdown Halts Your Route

Compressors fail. Motors burn out. Control boards short-circuit. When a machine goes down, you're losing revenue every day it sits broken — plus paying for parts and labor. Equipment breakdown coverage keeps your cash flow from going offline with your machine.

A Location Requires Proof of Insurance

More and more businesses, shopping centers, and property managers require vendors to carry a minimum level of general liability insurance — and to name them as additional insured. Without it, you lose the location. With Vendsurance, we can issue your certificate same day.

What Vendsurance Covers

A comprehensive policy designed to cover the full spectrum of risks that vending and amusement operators actually face.

Liability Coverage

General Liability

Product Liability

Property Damage (at locations)

Equipment Breakdown

Property & Operations

Theft & Vandalism

Route Vehicle Coverage

Business Interruption

Umbrella Options Available

Frequently Asked Questions

Still have questions? Here are the ones we hear most often.

Who is eligible for Vendsurance Insurance?

Eligibility is determined by the state where you operate your business. We're selling in all U.S. states except HI and AK.

How much does coverage cost?

Coverage cost depends on your machine count, machine types, and locations. Most solo operators with a moderate-sized route find our policies very affordable — often less than what a single vandalism incident would cost out of pocket. Get a quote and we'll give you exact numbers for your operation.

Do I need insurance if the location already has coverage?

Yes — and here's why. The location's insurance covers the location, not your equipment and not your liability as a vendor. If someone is injured by your machine, you are the liable party, not the property. Additionally, most locations that carry their own insurance also require vendors to carry theirs separately — that's what the certificate of insurance requirement is about.

What machine types are covered?

Vendsurance covers vending machines (snack, drink, combo), amusement and claw machines, bulk candy and gumball machines, arcade games, redemption equipment, and route vehicles. If you run machines that make money, we almost certainly have a coverage option for it.

Can I add machines mid-policy?

Yes. Operators add and remove machines regularly — we get it. Vendsurance policies are designed to flex with your operation. Contact us when you add a significant number of machines and we'll update your coverage accordingly. We don't make you wait until renewal.

How do I file a claim?

All Vendsurance policies are underwritten, serviced, and maintained by Authentic Services, Inc., a nationally licensed insurance provider. When you get your policy, you'll have a direct claims contact and 24/7 claims reporting access. The process is straightforward: report the incident, document the damage, and Authentic Services will guide you through the rest. Most straightforward property claims are resolved within 7–14 days.

Is my route truck covered too?

It can be. We offer route vehicle coverage as part of a comprehensive operator policy. This is especially important if you're using a vehicle primarily for your vending business, as personal auto insurance typically won't cover commercial use. Ask about vehicle coverage when you request your quote.

Full assortment of vending and amusement machines

One Incident.One Lawsuit.Everything Gone.