Re:Food Cart Insurance
My broker uses Auto Owners as their insurance. They have been very responsive. I have had a couple of claims (a kid that was working for me didn't hook the cart up well enough and it went careening down the street, they also insure my house and paid a hail claim)
I'm not sure about just insuring your cart on premise. More accidents will probably happen on the way to or from an event. If your cart gets toasted so does your business. I would be interested in finding out how quickly they pay claims, get insurance certificates to business owners that want you to vend on their property, etc...
When I first started and was just insuring the one cart, I think I paid around $400 or so a year for coverage, and that included getting it to and from where it was going. This might be a good stop gap, but I would keep shopping.