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APPLY FOR VENDOR INSURANCE

Eligible Vendors

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Anyone setting up booth space and selling a product or service

Ineligible Vendors

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Commercial general liability coverage is not available under the vendor policy for the following types of businesses:

Amusement attractions
Amusement rides
Animals accompanying the business
Balancing games
Body piercings
Corn mazes
Demonstration of hot items
   (i.e. curling irons)
Haunted attractions
Hay mazes
Live animals
Mechanical games
Permanent store fronts
Permanent tattooing
Sale of fireworks
Sale of live animals
Sale of liquor

For these businesses, please submit a special event application.

Products Excluded

Product liability coverage is not available for the following items:

CBD products
Firearms
Fireworks
Infant products
Knives
Marijuana products
Medical products
Nutritional products
Supplements
Swords

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Vendor Insurance

We cover individual US-based merchants selling their wares or services at fairs, festivals, farmers’ markets, trade shows, special events, conventions, etc. Our policy provides protection against bodily injury to a customer/guest or property damage to a premises you occupy.

Insureds must be a US resident with a US mailing address to be eligible for coverage under this policy, and the premium must be paid in US dollars.

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Renewing Coverage

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 the invoice and mail it 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. There is a 3.25% service fee for paying with a card. You can avoid this fee by mailing the invoice back with your check or money order.

 Read our 2020 Renewal Newsletter.

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Farmers Market

 

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Base Policy Coverage Provided

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 the insured’s covered activities. The coverage is provided on a primary basis.

Coverage Limits and Pricing

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Commercial General Liability Coverage Option 1 Limits
Each Occurrence $2,000,000   (bodily injury & property damage to others)
General Aggregate $5,000,000   (the most the policy will pay)
Products-Completed Operations Aggregate $5,000,000   (the most the policy will pay)
Damage to Rental Premises $300,000      (the rented premises)
Personal & Advertising Injury $2,000,000   (slander, libel, hurting someone's feelings)
Medical Expenses to Others $5,000          (emergency medical for others)
   
Deductible Zero
   
Premium Cost  
Annual Coverage $375
Single Event / Show Coverage
(10 days or less)
$157
Single Event / Show Coverage
(up to 14 days)
$187

Optional Coverages

We offer three additional coverages to further protect your business. These coverages may be added to your vendor liability policy at any time: Cyber Liability / Data Breach, Business Personal Property (Inland Marine), and Sexual Abuse & Molestation (SAM). Read more about these optional coverages below!

Additional Insured

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 the 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.

Click the button below to submit an online vendor certificate request:

Vendor Certificate Request

View more about Additional Insured Requests >

Office Hours

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Monday - Thursday, 10:00 a.m. - 5:00 p.m. CST

The main office is closed Friday - Sunday.

Limited online services are available when the main office is closed.

 

Holiday Hours:

Closed New Year’s Day
Closed Memorial Day
Closed Independence Day
Closed Labor Day
Closed Thanksgiving
Closed Christmas Eve
Closed Christmas

 

Contact Us

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Specialty Insurance Agency
PO Box 24
New Richmond, WI 54017-0024

Ph: 715-246-8908

Fax: 715-246-4257

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