Connect coverage to the actual operation
Vendors operate away from their regular premises and may bring inventory, displays, equipment, vehicles, food, products, employees, and subcontractors. Event contracts and certificate requirements should be matched with actual operations and policy territory.
Risks to review
- Customer injury arising from booths, displays, products, or service
- Damage to venue property or another exhibitor's property
- Inventory, tools, displays, equipment, and property in transit
- Food, products, professional services, employees, and commercial auto
Information to prepare
- Products or services, sales, payroll, dates, venues, and territory
- Event and venue contracts, limits, and additional insured requirements
- Booth, cooking, demonstrations, equipment, vehicles, and employees
- Property values, transit, storage, prior events, and loss history
Frequently asked questions
Can one vendor policy cover multiple events?
Possibly, depending on the policy term, operations, territory, scheduled events, limits, and eligibility. Annual and event-specific structures should be compared.
Does the event organizer's policy cover vendors?
Do not assume it does. Contracts often require vendors to carry their own insurance and name other parties as additional insureds.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.