Colonial General Insurance Agency, Inc. offers a tailored Push Cart Insurance program designed specifically for mobile vendors operating with push carts, kiosks, temporary booths, and tables. This program provides a flexible insurance solution for vendors selling food, beverages, merchandise, or offering services in high-traffic pedestrian areas, at events, or in temporary marketplaces.
Ideal Accounts and Appetite
This program is ideal for insureds who operate:
- Food and beverage push carts (hot dogs, ice cream, coffee, etc.)
- Retail carts selling clothing, accessories, or handmade goods
- Temporary booths at fairs, festivals, and farmers markets
- Kiosks in malls or public spaces
Accounts with limited or no permanent structure, minimal cooking exposures (or controlled cooking methods), and operations conducted in public or semi-public venues are strong candidates. This program is not intended for permanent brick-and-mortar businesses or vendors with high-hazard operations.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- Liquor Liability available for qualifying risks
- Additional Insureds—Included at no extra cost
- $5,000 Medical Payments—Included
- Excess or Umbrella limits up to $25,000,000
Property Coverage Options:
- Basic, Broad, or Special Form
- Coverage for Buildings (if applicable)
- Business Income protection
- Contents and Equipment Breakdown
- Inland Marine coverage for mobile equipment and inventory
- Replacement Cost or Actual Cash Value
- Scheduled Property Floater available
Whether your client sets up at local farmers markets or manages multiple vending locations, this program can help protect their assets and operations with tailored limits and coverage forms.
Underwriting Notes
Colonial General works with a variety of carriers to provide flexible solutions, including access to both admitted and non-admitted markets, depending on state and risk profile. Underwriting is focused on clean operations with well-defined hours, safety protocols, and limited exposure to high-risk cooking methods or hazardous products. Contact Colonial General for specific underwriting guidelines and risk eligibility.
Territories and Availability
This Push Cart Insurance program is currently available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. has the niche expertise and carrier relationships to help you place hard-to-insure or mobile business accounts. Their experienced underwriting team understands the unique exposures faced by push cart and kiosk operators, and they provide responsive support with competitive market access across the western U.S.
Whether you’re placing a seasonal ice cream cart in Utah or a retail kiosk in a California shopping center, Colonial General can help you secure the coverage your clients need to operate with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this Push Cart Insurance program?
This program is ideal for mobile vendors using carts, kiosks, or booths to sell food, beverages, merchandise, or services in public or temporary locations.
Does the program cover food vendors with cooking equipment?
Limited cooking exposures may be acceptable, depending on the method and controls in place. Open flame or deep-frying operations may be restricted. Contact underwriting for specifics.
Is liquor liability available under this program?
Yes, liquor liability coverage is available for qualifying risks, such as vendors selling alcoholic beverages at permitted events.
Can this program provide coverage in multiple states?
Yes, coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can help place risks across these western states.
Are additional insured endorsements included?
Yes, additional insureds are included at no extra cost, which is especially helpful for vendors participating in events or renting space from municipalities or private venues.
Need help placing an account? Connect with a market specialist.