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The Vendors and Exhibitors program provides primary General Liability coverage for vendors, concessionaires, and exhibitors who attend fairs, festivals, or other short-term special events.
All coverage is provided on an admitted basis by "A" rated carriers.
ELIGIBLE OPERATIONS
(products coverage available)
- Antique and Collectible Vendors
- Apparel and Accessories
- Arts and Crafts Vendors
- Celebrity, Mascot or Character Appearances, and Photo Booths
- Cookware
- Face Painting
- Food and Drink Concessionaires
- Game Trailers or Booths
- Gift Wrap Booths
- Lawn and Garden Equipment or Hardware Sales
- Micro-Reality Race Tracks
- Produce and Floral Vendors
- Product Demos
- Product or Service Display Exhibits
- Souvenir Sales
- Sports and Camping Equipment
- Photo Booths
- Retail Carts
- Vehicles on Display (static)
ELIGIBLE OPERATIONS
(products coverage NOT available)
- Auto Parts and Accessories
- Candles (selling only)
- Chemical-Based Cleaning Products
- Electrical Appliances
- Exercise Equipment
- Fire Safety Equipment
- Health and Beauty Products
- Motorized Equipment
- Motorized Vehicles and Boats
- Protective Equipment and Apparel
- Toys
INELIGIBLE OPERATIONS
- Alcoholic Beverage Sales
- Corn or Hay Mazes
- Body Piercing or Tattooing
- Christmas Tree Retail Lots
- E-Commerce Selling
- Fireworks Sales and Displays
- Haunted Attractions
- Hot Wax Impressions
- Mechanical or Inflatable Amusement Devices
- Oxygen or Aromatherapy
- Live Animals
- Medical Testing
- Motorsports Activities
- Nutritional and Health Supplements
- On-Site Installation, Service, and Repair of Products
- Guns, Knives, Swords, and other Weaponry
COVERAGE IS PROVIDED FOR
- Selling
- Displaying
- Demonstrating
- Promoting Products or Services
AVAILABLE COVERAGE TERMS
- One-Time Event (e.g., a Single Event, Single Location, up to 30 consecutive days)
- 6 month
- Annual
OPTIONAL COVERAGE AVAILABLE
- Inland Marine (if 6-month or annual General Liability coverage is purchased)
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COVERAGE IS NOT AVAILABLE IN FLORIDA.
General Liability Limits
- $1,000,000 Occurrence
- $3,000,000 General Aggregate
- $2,000,000 Products-Completed Operations Aggregate (if purchased)
- $1,000,000 Personal and Advertising Injury
- $300,000 Damage to Premises Rented to You
- $5,000 Medical Payments
General Liability Notable Exclusions & Endorsements
- Asbestos Exclusion
- Lead Exclusion
- Fungi/Bacteria Exclusion
- Abuse or Molestation Exclusion
- Amusement Devices Exclusion
- Fireworks Exclusion
- Additional Insured - Certificate Holders
- Products-Completed Operations Hazard Redefined
Inland Marine
- Coverage for limits up to $150,000 is available.
- Coverage is provided on a Replacement Cost basis.
- A deductible of $1,000 per occurrence applies.
- Eligible items: equipment (booth equipment, trailer equipment, tent equipment), stock items, trailers.
- Ineligible items: gas or plasma screens, video visual display monitors, laptop computers, self-propelled vehicles, boats, fine arts and collectibles, antiques, guns, and knives.
- Coverage is only available with the purchase of a 6-month or annual General Liability policy.
Inland Marine Notable Exclusions & Endorsements
- Earthquake Exclusion
- Water Exclusion
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