Why Do I Need Insurance as a Vendor, Exhibitor or Concessionaire?
When weekends are spent selling goods and services at farmers markets, antique shows, craft bazaars, tradeshows, fairs, festivals, or anywhere else people gather for shopping and entertainment, Vendors and Exhibitors Insurance from American Specialty Express is a must! American Specialty Express provides Vendors, Exhibitors and Concessionaires high quality insurance with exceptional service. With our Vendors and Exhibitors Insurance, coverage is purchased quickly, insurance policies obtained immediately, and organizers’ insurance requirements met easily.
Vendors and Exhibitors Insurance protects against costly claims that would cause severe financial damage in the absence of insurance. Plus, certificates showing evidence of insurance or additional insured status for the places where vendors set up shop can be obtained at no additional cost. Include them when insurance is purchased or add them later when it’s convenient. The following information is offered as a snapshot of the coverages provided through the American Specialty Express insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.
What Exactly Does Vendors, Exhibitors, and Concessionaires Insurance Provide?
The American Specialty Express Vendors and Exhibitors Insurance program covers a wide variety of vendor types who operate once a year or throughout the year from trailers, booths, stalls, tents, and more. From custom jewelry to fresh fruit, from face painting to gift wrapping, our Insurance program is designed for Vendors! Vendor Insurance protects the insured if an attendee trips on a display and breaks her wrist or the venue is accidentally damaged during setup and teardown. It protects the business, its owners, employees, and volunteers for claims related to activities at the show.
Whether vendor insurance is needed for just one show a year, every weekend during a season, or throughout the whole year, our Vendor, Exhibitor and Concessionaire Insurance Program meets the need. Options are offered for single event coverage, 6 month coverage, or annual coverage. No liability deductible applies! The Vendors and Exhibitors Insurance program has a variety of customizable options, all with expert service at an affordable price! Optional coverages include high liability limits, coverage for contents, and hired and non-owned auto coverage.
What Vendors, Exhibitors, and Concessionaires Are Eligible?
If you don’t see it listed here, give us a quick call to see it fits.
Antique and collectible
Apparel and accessories
Arts and crafts
Auto parts and accessories
Candles (selling only)
Celebrity, mascot or character – appearances/photo booths
Chemically-based cleaning products
Fire safety equipment
Food and drink concessionaires
Game trailers or booths
Gift wrap booths
Health and beauty products
Lawn & garden equipment or hardware sales
Micro-reality race tracks
Motorized vehicles and boats
Produce and floral vendors
Product or service display exhibits
Sports & Camping equipment
Vehicles on display - static
What are some examples of when Vendors, Exhibitors, and Concessionaires Insurance would be used?
1. A man strolling by, checking email on his phone, and sipping a hot cup of coffee, grazes the corner of a side-table at a booth where there is a gorgeous display of organic lettuce and tomatoes. He stumbles and seems to have caught his balance on the cash register cart, but the cart is on wheels. He ultimately falls to the ground beneath a shower of lettuce, tomatoes, and hot coffee. After he is helped up, he heads to the market’s on-site medical tent. Since it seemed clear that the fall was due to his own distracted behavior, and he didn’t seem to be seriously injured, it is a surprise when the vendor receives a letter from an attorney several months later. The letter demands $100,000 reimbursement for an emergency room visit, two surgeries, physical therapy, and lost time at work. The letter argues the side table was jutting too far into the walkway and the overall booth configuration presented a hazard to market attendees. The claim is immediately reported, and the vendor is relieved to hear that an attorney has been hired to provide defense and the Vendors Insurance coverage will provide protection.
2. A vendor is excited to score a great location at a local elementary school’s annual holiday baking and craft show that gets HUGE crowds every year. The signature sugar cookies, peanut brittle, and brownies will be a hit and the booth will be swamped. The vendor doesn’t want to miss out on sales due to long lines, so he hires some college students to help. While he is busy helping another customer, a parent asks whether the sugar cookies would be a safe option for his son who has a peanut allergy. Innocently but incorrectly, one of the college students assures him the sugar cookies are nut-free and would not pose a risk. If the vendor had answered the question, he would have responded that he can only confirm the sugar cookies do not contain actual nuts, not that they are peanut-free. The man, acting on the helper’s information, gives his son a sugar cookie, and the young boy has an allergic reaction. The dad usually has a remedy on-hand but neglected to bring it today, and there is no on-site medical station at the school. He rushes his son to the emergency room where the child receives treatment, and is ultimately okay. After the show, the dad calls and asks for reimbursement for his emergency room visit for which he did not have insurance. Since the dad relied upon the representative’s information, he has a case that negligence caused him this expense. He is reasonable in his request for reimbursement and is not asking for other payment. The Vendor Insurance policy from American Specialty Express reimburses him for the medical bills, and he agrees not to pursue any further action against the vendor.
These are just a few examples where Vendors, Exhibitors, and Concessionaires Insurance will provide defense, protect valuable assets, and allow vendors to continue bringing local goods and services to the community.
How to Obtain More Information:
If talking to someone first would help answer additional questions, then please, get in touch with us! Call us, chat with us online, or send us an email. Computers are great, but our Vendors Insurance program is provided by real people who want to help. Don’t hesitate to contact us.
Why Purchase Vendors, Exhibitors, and Concessionaires Insurance through American Specialty Express?
American Specialty Express delivers the ability to quote and buy affordable Vendors Insurance immediately and come back to the account anytime. Insureds can secure all necessary documentation online and, once coverage is bound, eligible additional insureds can be added for no additional cost! Need a copy of the policy? Simply get online anytime to print a copy of the insurance policy/certificate of insurance, add an additional insured, review coverage, or report a claim. Hopefully everything goes smoothly throughout the year, but if an accident occurs where insurance is needed, we provide an easy, hassle-free process, to report and manage the claim.
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