General Liability Insurance for concessionaires, exhibitors, and vendors who sell, demonstrate, display, or promote their products and services on a short-term basis at special events, malls, shopping centers, trade shows, consumer shows, or a location away from any owned or long-term leased premises.
Save up to 38% with an instant online quote.
Concessionaires, Exhibitors, and Vendors applaud: “No more hassle and frustration in filling out a long application and waiting days or weeks just to get a quote.”
If you are the organizer of an event, don’t go underinsured! Visit our short-term special event website for coverage information and rates.
LIMITS OF LIABILITY
| Option 1 | Option 2 | |
| General Aggregate – other than Products – Completed Operations | $5,000,000 | $5,000,000 |
| Each Occurrence | $1,000,000 | $2,000,000 |
| Products/Completed Operation Aggregate | $1,000,000 | $2,000,000 |
| Personal & Advertising Injury | $1,000,000 | $2,000,000 |
| Damage To Premises Rented to You (Fire Legal Liability) | $300,000 | $300,000 |
| Medical Expense | $5,000 | $5,000 |
Higher Limits are shown in the brochure/application or are available through the online application.
PREMIUM INFORMATION |
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| Premium based upon square footage and number of units. | ||||
| If higher limits are needed or for operations with more units or more sq. ft. than what is listed below, please refer to the brochure/application or call us at 800-622-7370. | ||||
| 0-100 Sq. ft/1 Unit | 101-200 Sq. ft /2 Units | 201-300 Sq. ft/3 Units | 301-400 Sq. ft/4 Units | |
| Single Event (event must be one month or less) | ||||
| Option 1 | $181 | $264 | $306 | $348 |
| Option 2 | $264 | $371 | $452 | $515 |
| 3 Consecutive Months Coverage | ||||
| Option 1 | $431 | $639 | $743 | $847 |
| Option 2 | $639 | $951 | $1,107 | $1,263 |
| 6 Consecutive Months Coverage | ||||
| Option 1 | $678 | $1,010 | $1,176 | $1,342 |
| Option 2 | $1,010 | $1,508 | $1,757 | $2,006 |
| Annual Coverage | ||||
| Option 1 | $1,153 | $1,722 | $2,007 | $2,292 |
| Option 2 | $1,722 | $2,576 | $3,004 | $3,432 |
Rates available from 02-01-2026 to 01-31-2027.
Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.
Please see the application for a complete coverage description.
ELIGIBLE OPERATIONS
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- Antiques & collectibles
- Apparel & accessories
- Arts & crafts
- Auto/Vehicle accessories (non-mechanical)
- Book sales
- Candles
- Catering (single event option only)
- Cleaning accessories & products
- Event decorator (single event coverage only)
- Cookware/kitchen accessories & appliances
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- Exercise Equipment
- Floral
- Food, Drink, or produce sales
- Game booths or detachable trailers (no VR or mechanical simulators)
- Gift wrap booths
- Hardware sales
- Health & beauty products
- Ice sculptor (single event coverage only)
- Lawn & garden equipment
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- Literature distribution
- Motorized equipment (static display)
- Photographer/videographer (single event coverage only)
- Product demonstrations
- Product or service displays
- Souvenir sales
- Sports or camping equipment
- Vehicle/boat display (static only)
- Toys (for ages 5 & over)
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INELIGIBLE OPERATIONS
Operations not eligible for this program include, but are not limited to the following:
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- Alcoholic beverage sales – selling or furnishing
- Animals
- Art displays over 10 feet tall or occupying more than 100 sq. ft. (unless approved by us)
- Auto parts (mechanical)
- Body piercing or permanent tattooing
- Christmas tree retail lots
- Contractors (lighting, stage, sound, etc.)
- Cryogenic chambers/therapy
- E-commerce selling
- Fire safety equipment
- Fireworks sales and displays
- Haunted attractions
- Hot wax impressions
- Leasing/Rental operations
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- Mazes (corn, hay, fence)
- Mechanical or inflatable amusement devices
- Medical testing
- Motion simulators
- Motorized food trucks or game trailers
- Motor sports activities
- Nutritional or health supplements (selling)
- On-site equipment sales/rentals
- On-site installation, service, or repair of products
- On-site equipment sales & rentals
- Oxygen or Aromatherapy bars
- Paintball equipment/accessories
- Permanent tattooing
- Photographers (unless for a single-event)
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- Protective equipment or apparel
- Storefront operations
- Tobacco, Cannabis, and Cannabis related products (including e-cigarettes/vapor products)
- Toys (for ages 4 and under)
- Unmanned aircraft systems (e.g.: drones, RC aircraft)
- Vehicles in motion
- Virtual reality games/simulators
- Weapon sales
- Watercraft exhibits on water
- Weight-loss plans or products (selling)
- Wholesale business operations
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Note: Please see the application or policy for a complete list of ineligible operations and notable exclusions. This site is for information only.
Risk Management Content
Visit our Risk Management page to access the following important content most applicable to vendors and concessionaires:
Food Handling Checklist for Concession Stands
Lightning Safety
Heat Illness: Avoidance and Prevention
This is not an all-inclusive list; check out our Risk Management page for other articles, programs, videos, and forms.