As a lunch wagon or food truck owner, your vehicle is more than transportation—it is the core of the business. Colonial General Insurance Agency, Inc. offers a Lunch Wagon Insurance program to help agents place coverage for mobile food vendors operating across the western U.S.
Overview of the Program From Colonial General
Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of admitted and non-admitted carriers. This Lunch Wagon Insurance program is designed for independent agents and brokers who need flexible, market-access solutions for mobile food-service clients. Whether your client runs a single lunch wagon or a small fleet of food trucks, the program provides targeted coverages and underwriting support tailored to the industry’s exposures.
Ideal Accounts and Appetite
This program targets mobile food vendors, including:
- Lunch wagons
- Food trucks and concession trailers
- Mobile kitchen vehicles with permanently mounted equipment
We prefer operators with permanently mounted cooking or refrigeration equipment and those working regionally (up to a 500-mile radius). The program considers both start-ups and established businesses; underwriting evaluates experience, vehicle condition, and operations when determining eligibility.
Coverage Highlights and Advantages
Key features agents can offer through this program include:
- Physical damage coverage for the vehicle and permanently mounted equipment (stoves, grills, refrigeration, etc.).
- Liability limits up to $1,000,000 CSL to satisfy contract and municipal requirements.
- Deductible flexibility with options typically from $500 to $5,000 to match client budgets.
- Radius options—coverage available for operations up to 500 miles for regional vendors.
- Cargo and spoilage protection—limits up to $100,000 including refrigerator breakdown coverage for perishable inventory.
Underwriting Notes
Underwriting considers vehicle type, age and condition, permanently installed equipment value, radius of operation, loss experience, and operator experience. Colonial General leverages multiple markets to place risks that may be difficult to write in standard markets. Minimum premiums and admitted availability vary by state and specific risk characteristics.
Territories and Availability
The Lunch Wagon Insurance program is available to agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are admitted in select states; other placements may be written non-admitted depending on the risk profile and state rules.
Why Work With Colonial General?
With decades of specialty risk experience and a regional focus, Colonial General provides access to niche markets and responsive underwriting. Agents benefit from our knowledge of mobile food exposures, our ability to place hard-to-write risks, and timely support to secure coverage that fits contractual or municipal requirements. Our team helps you match appropriate limits, deductibles, and ancillary coverages to each client’s operation.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Mobile food vendors such as lunch wagons, food trucks, and mobile kitchen vehicles with permanently mounted equipment are ideal for this program.
Can new businesses or startups qualify for coverage?
Yes. Start-ups may be considered; underwriting reviews operator experience, vehicle condition, equipment, and operational details.
What is the maximum radius of operation allowed?
The program offers radius options up to 500 miles to accommodate most regional food truck businesses.
Is refrigerator breakdown covered under the cargo limit?
Yes. Refrigerator breakdown protection is available under the cargo/spoilage coverage, with limits that can go up to $100,000 depending on the account.
Which states is this program available in?
The Lunch Wagon Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.