Car Insurance

Antique car insurance is different from collectible car insurance and it is important that the owner know the difference. The key difference that makes antique car and antique truck insurance less expensive than collectible car insurance is that these will NOT be driven on a regular basis. While collectibles are allowed to be driven with limitations, the antique insurance will not allow as much mileage as the collectibles. This means they are meant for display only, not for use in running errands or to work. There are specific details that will specify the actual mileage limits per year.

Storage of these vehicles is specified in the policy. Very specifically they are to be kept in a locked garaged area. Zipped covers are not acceptable in most antique truck insurance policies as adequate protection. It is important to follow the guidelines in the policies since they are such unique vehicles. Antique car insurance is based on the understanding that these vehicles are irreplaceable. The age of these vehicles has reduced the number of actual running models and the company will place special coverage on these cars only if they still carry some inherent value. The upkeep of the vehicle is crucial to the coverage.

To be considered an antique car or truck, and to obtain antique car insurance or antique truck insurance, the age of the vehicle must be at least 30 years old. The companies have an easy guideline with this policy to determine the status. The inherent value of the coverage will then be weighed on the condition of the vehicle and the owner’s planned use of the antique vehicle.

It is quite ironic how humans place values of property and people weighed by their age and condition. How glad we should be that God doesn’t differentiate the human value by such factors! It was recorded in His Word: “For ye are all the children of God by faith in Christ Jesus. …There is now neither Jew nor Greek, there is neither bond nor free, there is neither male nor female: for ye are all one in Christ Jesus” (Galatians 3:26-28). It doesn’t matter when any of us are born, all are given the same offer of salvation, Christ Jesus’ insurance policy against death and eternal destruction. It’s great to be an antique or a newer, faster model. But it doesn’t change the fact of salvation for all nor make any one more important or less important to receive more coverage or less coverage when hard times come, or even to walk through the pearly gates.

Catering truck insurance

Not many agents/brokers write catering truck insurance as they don’t have a contract with companies that will write that type of coverage. There’s a certain type of knowledge needed to write the risk with catering truck insurance properly. There are basically (2) categories of operators:

They are, hot trucks and Mobile Food Preparation Vehicles (MFPV), which allow food to be prepared as customers order, and cold trucks, Industrial Catering Vehicles (ICV), which sell only prepackaged foods.

The hot trucks have at least a driver, (which is usually the taxpayer), and a cook, who may be a family member. The cold trucks in most instances, only need a driver since it is a self-service vehicle, however, they are not limited to just the driver.

The average cost of the trucks is approximately between $50,000 - $100,000. The trucks may be owned by one individual, serving as the owner/operator, or several individuals may own a fleet of trucks and lease them to various individuals to operate; or they can be individually owned and then leased to another individual to operate.

The drivers/owners of food trucks are linked to specific commissaries stocking and storing their trucks overnight. The commissary is a wholesale supermarket where the drivers are able to buy food and supplies in bulk. The trucks are assigned to a commissary and are required to park their vehicles there overnight for washing, unloading, and morning loading of food.

The drivers purchase their goods for sale at the commissary, although you may discover that outside purchases were also made. The Department of Health Services have very strict requirements with regards to the purchase of food for sale. Food must be obtained from an approved vendor, approved facility, or approved commissary.

The owners and operators of the vehicles have to meet certain requirements for various governmental agencies. The owners are required to register their vehicles with the Health Department. All vehicles must have a valid County Health Permit.

Vehicles are usually inspected annually in order to renew their license by the Health Department. The license, showing the name of the owner, must be on display in the vehicle or on the persons of the driver.

Selling any goods, wares, or merchandise on public streets and sidewalks on foot or using a pack, stand, or push cart is illegal without the approval of the Department of Building and Safety.

There are also stringent health codes that must be followed and enforced to operate safely and within the guidlines of the dept of health in order to be able to operate the food business. State laws also require catering truck insurance.