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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. Food Trucks and vendors with fixed retail locations or fixed retail stands are not eligible for this program.
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
- Food Trucks
- Vendors with fixed retail locations or fixed retail stands
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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