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Specialty Insurance Agency Blog

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It's no secret that insurance policies are filled with clauses, provisions, and exclusions, which is why we always recommend reading your insurance policy closely and coming to us with any questions. We do our best to highlight what exactly is covered on our Performer and Vendor webpages, but if you ever have any doubt about your coverages, just ask! 


One clause we wanted to discuss in detail is the 100% coinsurance clause on the Inland Marine (business personal property) rider in the Performer and Vendor insurance policies. Inland Marine is an optional coverage you can add to your

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inland marine coverage
insurance rider
100% coinsurance clause

Maybe you've been in the industry for many years, maybe this is all new to you, but you may find yourself asking...Why insurance? Why now? Maybe you're even asking yourself "What is a Commercial General Liability policy?"


In the past few years across the industry, we've experienced more and more events/venues cracking down on insurance requirements to help better protect themselves from certain liabilities. This is where a Commercial General Liability (CGL) policy comes into play! The standard CGL policy helps protect you in situations where others may be injured because of you, from

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commercial general liability coverage
Performer Insurance
professional performer
vendor insurance
food truck insurance

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Unfortunately, with the trend of integrating business and the Internet continually rising, the more prone you may become to being involved with a data breach. A data breach is when a customer's data that's stored, such as contact information or credit card details, is stolen or taken from a system without the knowledge of the system's owner. No matter how many protocols are put into place regarding cybersecurity, unauthorized use of stored data is a problem, and your business can be held responsible for the ramifications. That's where Cyber Liability insurance can come into play! 


Cyber

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Cyber Liability
commercial general liability coverage
vendor insurance
business insurance

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Stuck with a pesky certificate request? Not sure where to start? Look no further, we're here to help! Below you will find step-by-step instructions and tips to guide you through submitting an approved event/venue which does not need any changes, an approved event that needs changes made, and how to create a new/unapproved certificate for an event/venue. 


Pro tip: After a certificate is submitted, you can't go back into the request to make a change. However, if you need to make a change, we can help! Reply to the email you received that your certificate has been submitted with any changes

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Performer Insurance
vendor insurance
commercial general liability coverage
Additional Insured

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Performer Insurance
commercial general liability coverage
performers
professional performer
vendor insurance
food truck insurance
Additional Insured
importance of insurance
insurance fraud
business insurance
professional liability
inland marine coverage
frequently asked questions
FAQs
Cyber Liability
insurance rider
100% coinsurance clause

Office Hours

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

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 Day

 

Contact Us

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Specialty Insurance Agency
3432 Denmark Ave #231
Eagan, MN 55123

Ph: 715-246-8908

Fax: 715-246-8908

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