Vendor Insurance

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***ATTENTION ALL MEMBERS***

For many years our annual policy term has been from September to September. Many people looking to purchase insurance would like to purchase an annual policy rather than a partial policy; therefore we have redesigned the vendor policy to allow you to purchase an annual policy at any time! If your policy renews in September you can renew at any time starting in June! In mid July we will send a renewal notice to all vendor’s that have their coverage set to expire on September 1.

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.

2015 Vendor Renewal Notice

Program Description

This insurance program has been designed for the individual U.S. 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 U.S. resident with a U.S. mailing address to be eligible for consideration of coverage under this policy and the premium must be in U.S. dollars.

Operations Not Eligible

Selling of live animals, selling liquor, body piercing or permanent tattooing, corn or hay mazes, haunted attractions, mechanical and balancing games, selling of fireworks, using a minor for demonstrations of hot items such as a curling iron, straightening tool.

Products Excluded From Products Liability

The following is excluded from product liability: Selling of firearms, fireworks, swords, knives, infant products, medical products, nutritional products and supplements.

Carrier

Coverage underwritten by Evanston Insurance Company; a carrier rated A (excellent)

  • The limits of coverage are per membership and not shared.
  • Your coverage starts on the date you purchase or your renewal date and goes for one year.
  • You are listed as the Insured instead of our association name Vendors of the U.S.

Policy Administrator

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

2015-2016 Commercial General Liability Coverage Limits of Coverage 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)
General Aggregate $5,000,000 (the most the policy will pay out)
Products-Completed Op Agg. $5,000,000 (the most the policy will pay out)
Medical Expenses $5,000 (emergency medical)
Premium Cost $375.00

Optional Coverage: Business Personal Property - Inland Marine

You can now add on an Inland Marine option with the purchase of an annual policy! This will cover your business personal property and goods while at the show or while in transit. This would cover your equipment and goods for damage or if stolen. This option is available per policy period. You can add 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: $175.00 Premium Cost: $325.00

Certificate Request:

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.

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:

2014-2015 Coverage underwritten by Lexington Insurance Company; a carrier rated A (Excellent); XV ($2 billion or greater). 2015-2016 Coverage underwritten by Evanston Insurance Company; a carrier rated A (Excellent); XV ($2 billion or greater).

Cancellation:

Premium costs are non-refundable once coverage begins.

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.
Vendor Insurance