Vendors Insurance
Coverage built for festival & fair vendors, farmers market booths, pop‑ups, trade show exhibitors, artisans, and mobile retailers. Get Special Event General Liability, Product/Completed Operations, and Additional Insured certificates that match venue wording—buy online in minutes.
Who this is for
Food and craft vendors, artists, makers, merch sellers, pop‑up boutiques, and exhibitor booths at fairs, festivals, street markets, conventions, and community events. We align coverage to venue contracts and market rules, including Additional Insured, Primary & Noncontributory, and Waiver of Subrogation where required.
- Typical limits: $1,000,000 per occurrence / $2,000,000 aggregate (higher available).
- Same‑day COIs listing venue(s) as Additional Insured.
- Options for multi‑day, per‑event, or monthly coverage.
Availability varies by state, operations (e.g., hot food, inflatables), and any prior claims.
Coverages & Limits
Special Event General Liability
| Each Occurrence | $1,000,000 typical (higher options may be available) |
|---|---|
| General Aggregate | $2,000,000–$3,000,000 typical |
| Additional Insureds | Venues, municipalities, organizers; AI/PNC/Waiver available when approved |
| Products/Completed Operations | Included—key for food & product sellers |
| Liquor/Host Liquor | Optional for sampling/serving (subject to rules & permits) |
| Common exclusions | Workers’ comp, auto, expected/intended injury; participant injury varies |
Business Personal Property / Inland Marine
Optional coverage for portable gear, displays, tents, POS systems, and inventory/stock—on premises, in transit, and at events (eligibility varies).
Hired & Non‑Owned Auto (HNOA)
Liability when you or staff use rented or personal vehicles for deliveries or setup. Does not cover damage to the driver’s own car.
Workers’ Comp (optional)
Statutory benefits for W‑2 staff; check state requirements for temporary and seasonal employees.
Venue & Market Requirements
- Provide Additional Insured wording and addresses for each venue or organizer.
- List event date(s), location, booth type (cooking, electricity, tents), and any alcohol sampling.
- Confirm limits required (often $1M/$2M; some ask for higher or umbrella).
- Vendors with cooking/heat sources should note extinguishers and safe‑use procedures.
Instant Coverage — Buy Online
Use our instant option for many vendor setups. If your operations are complex or require higher limits, we can broker a custom quote.
Frequently Asked Questions
How fast can I get a COI for my market manager?
Instant purchase typically generates a Certificate of Insurance within minutes. Add the venue as Additional Insured during checkout.
Is food sampling or on‑site cooking covered?
Often yes—tell us about heat sources (grills, fryers), fire extinguishers, and any permits. Product/Completed Ops is important for food vendors.
Do I need HNOA if I make deliveries?
Yes, if you or staff use personal or rented vehicles for business. HNOA adds liability protection; it doesn’t cover damage to the driver’s car.
Can I cover my tent, displays, and inventory?
Ask about Business Personal Property/Inland Marine for gear and stock on site and in transit (availability varies by state and carrier).
This page summarizes common options. Final terms depend on policy forms and underwriting.
Quote & Help
Have unique operations or higher limit needs? Share details and we’ll help you pick the right option.