Vendor Insurance

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***ATTENTION ALL MEMBERS***

We have the 2013-2014 policy set up and renewal notices will be mailed by August 3rd.  Click on the link below to see the renewal notice.  We will be able to start issuing certificates for this policy by August 8th or sooner!

Renewal Letter 2013

The Vendors of the US insurance program is designed for the merchant selling their wares or services at the fairs, festivals, expos, trade show, etc. The policy provides protection against bodily injury to a customer while in or around your booth and/or property damage that may occur to others.

2013 - 2014 shared policy limits of coverage for all members are as follows:

Coverage Coverage Limits Description
Each Occurrence $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)
General Aggregate $4,000,000 (the most the policy will pay out during the policy year)
Medical Expenses $5,000 (covers the medical expenses of others injured by you)
 

Online Forms:

 

Application:

 

Certificate Request:

 

Upgrade From Single Event to Full Policy Year:

  • If you have purchased single event coverage and find that you have other events within the same policy year that require insurance, we allow you to upgrade to the full policy year by paying the difference in premium. Please use the following form to complete this upgrade.
  • Download upgrade document here.

 

The Vendors of the US insurance program is designed for the merchant selling their wares or services at the fairs, festivals, expos, trade show, etc. The policy provides protection against bodily injury to a customer while in or around your booth and/or property damage that may occur to others.

Things To Know:

  • Coverage is under the association's Master Policy.
  • Certificates of Insurance are sent out from the Master Policy.
  • There is no charge for certificates naming the venue where you are working as an additional insured.
  • Your "employees" or "volunteer workers" ARE COVERED while performing duties related to the conduct of your business. Note: A sub-contractor is not considered an employee.
  • The policy renews every September 1st.
  • Policy provides coverage throughout the United States.
  • Product Liability is required by some of the fairs in CA, ID, KS, NY, PA, TX, & WA More fairs & states will probably adopt this requirement. The product 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.

Policy Requirements:

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

Premium:

  • Annual Premium Costs: $375 per year per business (only one business name is allowed per policy)
  • This policy renews every September 1st.
  • This policy cannot be pro-rated but we do discount the premium cost starting at the six month point of coverage. Please see the application for the discounted premium amounts. The discounted options are processed starting a week prior to the start date.

 

Policy Deductible

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 back a copy for your records and fax or email wherever else you want your certificate to go.

 

To request on-line go to:

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 and will fax to any numbers provided.

Additional insured requests are processed in 2 to 5 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.

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 and will fax to any numbers provided.

Carrier Rating:

Coverage underwritten by Lexington Insurance Company; a carrier rated A (Excellent); XV ($2 billion or greater).

Cancellation:

If you find the coverage does not meet your needs within the first 30-days you may cancel your policy for a full refund. Refunds are not given after 30-days.

Note:

  • To purchase insurance you will need to mail in an application with your check or money order.
  • To overnight go through FedEx or UPS. Note that Express Mail through the post office is handled as a Priority for us because we are not close to a big city, we receive Express Mail in two to three business days (same as Priority).
  • 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.