Ideal Accounts and Appetite
This program is a strong fit for independent caterers and mobile food operations throughout New England. You can place accounts that include:
- Caterers providing on-site or off-site food preparation and service
- Food trucks operating at festivals, farmer’s markets, corporate sites, or scheduled locations
- Concession trailers serving events and temporary venues
- Ice cream trucks with daily routes or seasonal schedules
- Specialty mobile vendors supplying food for weddings, parties, and corporate functions
New ventures and established operators are both considered. Note: accounts with extensive deep-frying or in-vehicle grilling typically require additional underwriting review and may be subject to restrictions.
Coverage Highlights and Advantages
Property coverages include:
- Building and contents coverage
- Business income protection
- Basic, broad, or special form available
- Replacement cost or actual cash value settlement
- Food spoilage coverage for refrigerated/frozen product loss
- Inland marine for mobile equipment and tools
- Equipment breakdown
- Accounts receivable and computer equipment
- Outside signage
- Valuable papers and records
General liability (CGL) and related coverages:
- Primary limits up to $3,000,000 occurrence/aggregate
- $5,000 Medical Payments coverage included
- Liquor liability available where appropriate
- Additional insureds — $100 each
- Excess/umbrella limits available up to $25,000,000
- No deductible required on the CGL in many cases
This package helps protect clients against property loss, liability claims, food spoilage, and equipment failures—key exposures for mobile food businesses.
Underwriting Notes and Minimum Premiums
Underwriting considers the type of cooking (propane, deep fryers, grills), vehicle condition and modifications, loss history, and event types served. Minimum premiums vary by risk profile and market placement. The Distel Group works with both admitted and surplus markets to provide flexible options; underwriters are experienced with food-service risks and can help structure terms and coverage options.
Territories and Availability
This program is available in:
- Connecticut (CT)
- Maine (ME)
- Massachusetts (MA)
- New Hampshire (NH)
- Rhode Island (RI)
- Vermont (VT)
Most available markets are admitted, giving agents access to stable, regulated paper in these states.
Why Work With The Distel Group
Joseph Distel & Co. Inc. is a trusted Managing General Agency and Excess & Surplus Lines broker with deep program expertise. Through The Distel Group, agents gain access to competitive carriers and responsive underwriting for catering and mobile food risks. The team is experienced in tailoring coverage for operations that move between venues, serve temporary events, or run seasonal routes.
Practical examples: you might have a client launching a gourmet taco truck in Boston who needs combined business auto, inland marine, property, and liability limits — or a catering company expanding into mobile kitchens for weddings that requires higher limits and food spoilage coverage. The Distel Group can help place both.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for caterers, food trucks, concession trailers, and ice cream trucks operating in New England, including both start-ups and established businesses.
Is liquor liability available under this program?
Yes. Liquor liability can be added when the insured’s operations include the sale or service of alcoholic beverages.
Are there underwriting restrictions?
Yes. Vehicles with extensive deep-frying or indoor grilling typically require additional review and may have restrictions. Other factors include vehicle modifications and prior losses.
Which states is this program available in?
The program is available in CT, ME, MA, NH, RI, and VT.
Is this program written on an admitted basis?
Most of the available markets are admitted, providing agents with access to regulated, admitted paper; surplus options are used when appropriate.
Need help placing an account? Connect with a market specialist.