Vendor Insurance

PROGRAM DESCRIPTION

This insurance program has been designed for the individual US-based merchant selling their wares or services at fairs, festivals, farmers markets, trade shows, special events, conventions, etc. The policy provides protection against bodily injury to a customer/guest or property damage to the premises you occupy. You must be a US resident with a US mailing address to be eligible for consideration of coverage under this policy, and the premium must be paid in US dollars.

VENDORS RENEWING INSURANCE

Approximately six weeks prior to your expiration, we will mail you an invoice. The information on the invoice is produced from the file that we have created for you, from the information that you have provided. Please review the invoice for any information that has changed and advise us as to what has changed. You can write your changes on your invoice and mail it back to us, or call into the office and we will make the changes over the phone. To renew your coverage you can mail in the invoice with your check or money order, or you can pay online with your credit or debit card. You will be emailed your user name and password to allow you to pay your premium online about five weeks prior to your expiration. There is a $15 service fee for paying with a card. You can avoid this fee by mailing the invoice back with your check or money order. The link below is the annual newsletter that you will receive.

OPERATIONS NOT ELIGIBLE

The sale of live animals (or any animals accompanying the business - we do not cover live animals), sale of liquor, body piercing or permanent tattooing, corn or hay mazes, haunted attractions, mechanical and balancing games, sale of fireworks, demonstrations of hot items such as a curling iron or straightening tool.

PRODUCTS EXCLUDED FROM PRODUCTS LIABILITY

The following are excluded from product liability: selling firearms, fireworks, swords, knives, infant products, medical products, nutritional products, and/or supplements.

CARRIER

Coverage is underwritten by Evanston Insurance Company, a carrier rated A (excellent), XV ($2 billion or greater).

The limits of coverage are per membership and not shared.

Your coverage starts when your application is approved and either on the date you select, your renewal date, or the date your renewal was processed. The coverage period is for one year from that date.

POLICY ADMINISTRATOR

Specialty Insurance Agency, LLC is your policy administrator. All requests for service are submitted to Specialty Insurance Agency, LLC.

COVERAGE PROVIDED UNDER THIS PROGRAM

Commercial General Liability with Additional Insured Endorsement, Waiver of Subrogation, and Primary Non-Contributory Endorsement – coverage that protects the insured against liability claims for bodily injury and property damage arising out of their operations.

Legal Liability to Audience Participants – coverage that offers protection against bodily injury liability claims brought by persons participating in covered activities.

Medical Payment for Audience Participants – coverage that pays the medical and dental expenses incurred by a participant when an accidental injury occurs while participating in your covered activities. The coverage is provided on a primary basis.

COVERAGE LIMITS PER MEMBERSHIP

Each Occurence $2,000,000 (bodily injury & property damage to others)
Damage to Rented Premises $300,000 (to rented premises)
Personal & Advertising Injury $2,000,000 (hurting someone's feelings, slander or libel)
General Aggregate $5,000,000 (the most the policy will pay out)
Products-Completed Operations Aggregate $5,000,000 (the most the policy will pay out)
Medical Expenses $5,000 (emergency medical for others)
Annual Premium Cost $375.00
Single-Event (10-day) Premium Cost $157.00
Single-Event (14-day) Premium Cost $187.00

***OPTIONAL COVERAGE: BUSINESS PERSONAL PROPERTY (INLAND MARINE)

Inland Marine will cover your business personal property (equipment and wares) for damage or if stolen while stored, in transit to a show, or while at a show. This option is available per policy period. You can add this coverage at any time, but the coverage will end on your general liability policy expiration date.

Exclusion: Food spoilage is not covered.

Coverage Limits: $10,000.00 Coverage Limits: $25,000.00
Premium Cost: $200.00 Premium Cost: $375.00

DOWNLOADABLE APPLICATIONS

MS Word Format
Adobe PDF

CERTIFICATE REQUEST

MS Word Format
Adobe PDF

THINGS TO KNOW

Coverage is under the association's Master Policy.

Certificates of Insurance are sent from the Master Policy.

There is no charge for certificates naming the venue where you are working as an additional insured.

Coverage is provided for bodily injury and property damage to a spectator when your business employees and/or volunteer workers are representing the business. Please note that we do not cover injury that may occur to your business employees and/or volunteer workers. You would need a Workers' Compensation policay to cover these injuries. SIA does not provide coverage for Workers' Compensation.

The policy provides coverage throughout the United States, Canada, and the US-owned islands of St. Thomas, St. John, St. Croix, Puerto Rico, Guam.

Product Liability is required by some fairs in CA, ID, KS, NY, PA, TX, and WA. More fairs and other states will likely adopt this requirement as well. The Product Liability coverage covers the resulting damage for the vendor's products.

Example 1: Customer purchases a rug; the rug is not skid proof, and someone slips and falls. The resulting bodily injury would be covered (less the deductible).

Example 2: Customer buys a piece of pottery, places the pottery in the oven or microwave to warm or bake something, and the pottery breaks. The broken pottery is not covered. If the pottery caused damage to the oven or microwave, that resulting damage would be covered.

NOTE

To purchase insurance you will need to mail a signed application with your check or money order OR complete the online application and pay online with your credit or debit card. We only accept applications with a US mailing address. We only accept checks in US dollars. Canadian checks are not accepted.

To overnight go through FedEx or UPS.  Please note that Express Mail through the post office is handled as Priority Mail for us due to our location; we receive Express Mail in two to three business days (same as Priority Mail).

For FedEx or UPS you will need to mail to our street address of 2076 170th Street in New Richmond, WI 54017. Only use this address for FedEx or UPS seeing as it is not a secured drop off location.

POLICY REQUIREMENTS

In order to qualify for this commercial general liability policy, vendors must have a US mailing address.

POLICY DEDUCTIBLE

Zero deductible for any claim.

ADDITIONAL INSURED REQUESTS

  • There is no charge for additional insured certificates. We do require that you submit your requests in writing.
  • If you request through our website using the online certificate request, we will email you a copy for your records as well as fax or email wherever else you want your certificate to go.

TO REQUEST ONLINE

www.specialtyinsuranceagency.com

Select Vendor Certificate Request from the Quick Links on the left side of the home page. Fill in all the blanks and hit the Submit button at the bottom of page. 

If you send your request by fax, we will fax your certificate to the fax number(s) you provide.  Send fax requests to 715-246-4257.

If you submit your request through the mail, we will mail your certificate back to you as well as fax to any numbers provided.

Additional insured requests are processed in two to five business days, based on your event date.  Please submit your requests at least two weeks prior to your event to allow time for changes to your certificate according to your contract.

CANCELLATION

Premium costs are non-refundable once coverage begins.