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Catering, Vending and Cooking For The Masses. this forum is OnTopic. A resource to help with catering, vending and just cooking for large parties. Topics to include Getting Started, Ethics, Marketing, Catering resources, Formulas and recipes for cooking for large groups.


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Unread 05-03-2009, 09:10 PM   #1
ASUBBQ
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Default Trailer Insurance

Besides liability do other caterers carry a seperate policy on your trailers or cookers that tow behind?

If you don't you should seriously consider doing so, we have coverage on ours similar to what you would carry on your tow vehicle.

In CT we have to register any trailer with motor vehicle which then prevents it from being covered under a homeowners policy for any damage or theft.

I have a buddy who lost a 10K southern pride due to theft, it was trailer mounted without insurance. If your trailer gets hit by another vehicle and totaled and its not insured you might be eating the replacement cost!

Worth looking into!
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Unread 05-03-2009, 09:12 PM   #2
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Geico covered mine for under 60 bucks.
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Unread 05-03-2009, 11:29 PM   #3
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I'm covered on this with my business owners insurance.
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Unread 05-04-2009, 12:09 AM   #4
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In Idaho we don't have to register concessions trailers. We do have to register towbehind cookers and trailers however. We have ours covered for liability and theft through our business, otherwise my vehicle insurance covers anything else. Runs us about $150 a year for everything.
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Unread 05-04-2009, 07:29 AM   #5
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My trailers are all covered through the vehicle towing's insurance. Anything not picked up in that claim either diverts to my home owners (my RV) or my business insurance (my enclosed trailer).

May want to check with your auto insurance carrier on that. My insurance agent told me when these trailers are parked unattached from the tow vehicle, that's when they fall under the home owner or business insurance and are free from the vehicle.

Hope that helps. It made sense in my head explaining it. lol!
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Unread 05-04-2009, 03:26 PM   #6
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I have a additional rider that covers the replacement cost of all my equipment that is not built into my catering truck. I think it's $30k for around $250 extra for the year.
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Unread 05-04-2009, 03:36 PM   #7
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Ugh....
In Michigan, my vending trailer is considered commercial equipment, needs to be pulled by a commercially insured vehicle. (bend over mod) That covers damage to the trailer and truck.
Our liability covers anything inside the trailer for theft and damage.
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Unread 05-04-2009, 04:32 PM   #8
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Quote:
Originally Posted by BBQchef33 View Post
Geico covered mine for under 60 bucks.
$60 a year? Is that replacement value with everything inside?
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Unread 05-04-2009, 04:34 PM   #9
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I am in good hands with Allstate (additional coverage)
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