Hedge/Submission requirements/Food trucks & mobile food
Class-specific first packet

Submission requirements for Food trucks & mobile food.

Direct answer. Start with a clear operations narrative, the requested coverage and effective date, currently valued loss runs, accurate schedules, and the 5 class-specific facts below. The current public class status is in current public appetite; Hedge still must confirm eligibility, route, and the exact market requirements.

Public class statusIn current public appetite
Target coverage guides4
Reviewed2026-08-24
Core packet

Build one internally consistent account.

  • Applicant information with the correct legal entities and a precise operations description
  • Requested lines, limits, effective date, and any contract or certificate requirements
  • Currently valued loss runs for the relevant entities, lines, and policy periods
  • Exposure schedules and supporting documents that reconcile to the application
  • Class-specific supplemental information and a direct explanation of difficult facts
Do not send from this checklist alone

Hedge must confirm the intended route and review the exact files. Do not send submission material to a competing wholesale intermediary or another producer.

Class facts

Answer these before market review.

  • VIN + year + GVW of truck/trailer
  • Driver MVRs
  • Hood / ANSUL inspection date
  • Service area (states/cities)
  • Special events frequency

Stronger profile indicators

  • Single-truck or small fleet (≤ 5)
  • Owner-driver model
  • Quarterly hood cleaning
Coverage checklists

Prepare the facts for each requested line.

Only request coverage the insured actually needs. Open the line guide to see the class-specific published target and preparation questions.

General Liability / $1M / $2M

Prepare for Commercial General Liability

Detailed operations narrative and class splits; Revenue, payroll, subcontractor cost, and geographic breakdown; Currently valued loss runs and an explanation of material claims

Open class coverage guide →
Commercial Auto / $1M CSL

Prepare for Commercial Auto and Trucking

Vehicle, driver, and loss schedules; Operations, radius, commodities, filings, and annual mileage; Revenue, vehicle ownership, leasing, maintenance, and safety controls

Open class coverage guide →
Inland Marine / $100K

Prepare for Inland Marine

Detailed equipment or property schedule with values and identifiers; Transit, storage, territory, jobsite, and catastrophe information; Security, tracking, maintenance, and theft controls

Open class coverage guide →
Products Liability / Included in GL

Prepare for Products Liability

Product schedule, end uses, sales, territories, and distribution channels; Design, manufacturing, supplier, testing, warning, and quality-control information; Contracts, indemnification, additional-insured requirements, and recall plans

Open class coverage guide →
Hedge forms

Forms that may help organize this class.

The intended market may require different or additional applications. These public Hedge forms are preparation resources, not evidence of access or authority.

Hospitality and events

Hedge Restaurant, Bar and Tavern Supplemental

A fillable Hedge supplemental for restaurants, bars, taverns, and related hospitality risks.

View form and fillable PDF →
Auto and garage

Hedge Commercial Auto and Trucking Supplemental

A fillable Hedge supplemental for commercial auto and trucking operations.

View form and fillable PDF →
Any risk

Hedge Loss and Claims Supplement

A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.

View form and fillable PDF →
Review and release

Keep preparation, routing, and authority separate.

  • Preparation: the packet is internally complete enough for review
  • Fit: the class, state, coverage, and account facts are within current appetite
  • Route: Hedge has confirmed the permitted submission channel
  • Quote: actual terms have been returned for this account
  • Bind: the authorized party and all subjectivities have been confirmed