Eligible Vendors
Anyone setting up booth or other temporary space and selling a product or service
Ineligible Vendors
Commercial general liability coverage is not available under the vendor policy for the following types of businesses:
Amusement attractions
Amusement rides
Animals accompanying the business
Balancing games
Body piercings
Corn mazes
Demonstration of hot items
(i.e. curling irons)
Haunted attractions
Hay mazes
Live animals
Mechanical games
Permanent store fronts
Permanent tattooing
Sale of fireworks
Sale of live animals
Sale of liquor
Products Excluded
Product liability coverage is not available for the following items:
CBD products
Firearms
Fireworks
Infant products
Knives
Marijuana products
Medical products
Nutritional products
Supplements
Swords
Tobacco products
Online Forms
Downloadable Forms
Vendor Insurance
We cover individual US-based merchants setting up a temporary space to sell their wares or services at fairs, festivals, farmers’ markets, trade shows, special events, conventions, etc. Think food trucks and farm stands, artisan crafters and kettle korn booths, mall kiosks and Renaissance festival shops. Our policy provides protection against bodily injury to a customer/guest or property damage to a premises you occupy and insures the business, including employees and volunteer workers. This policy does not insure contract workers; it also does not insure permanent storefronts, like a shop inside a mall or a brick-and-mortar store on Main Street.
Insureds must be a US resident with a US mailing address to be eligible for coverage under this policy, and the premium must be paid in US dollars.
Renewing Coverage
Approximately six weeks prior to your expiration, we will mail you an invoice. The information on the invoice is produced from the file that we have created for you, from the information that you have provided. Please review the invoice for any information that has changed and advise us as to what has changed. You can write your changes on the invoice and mail it to us, or call into the office and we will make the changes over the phone.
To renew your coverage you can mail in the invoice with your check or money order, or you can pay online with your credit or debit card. There is a 3.25% service fee for paying with a card. You can avoid this fee by mailing the invoice back with your check or money order.
Read our 2022-2023 Renewal Newsletter.
Base Policy Coverage Provided
Commercial General Liability with Additional Insured Endorsement, Waiver of Subrogation, and Primary Non-Contributory Endorsement – coverage that protects the insured against liability claims for bodily injury and property damage arising out of their operations.
Legal Liability to Audience Participants – coverage that offers protection against bodily injury liability claims brought by persons participating in covered activities.
Medical Payment for Audience Participants – coverage that pays the medical and dental expenses incurred by a participant when an accidental injury occurs while participating in the insured’s covered activities. The coverage is provided on a primary basis.
Coverage Limits and Pricing
| Commercial General Liability Coverage | Option 1 Limits |
| Each Occurrence | $2,000,000 (bodily injury & property damage to others) |
| General Aggregate | $5,000,000 (the most the policy will pay) |
| Products-Completed Operations Aggregate | $5,000,000 (the most the policy will pay) |
| Damage to Rental Premises | $300,000 (the rented premises) |
| Personal & Advertising Injury | $2,000,000 (slander, libel, hurting someone's feelings) |
| Medical Expenses to Others | $5,000 (emergency medical for others) |
| Deductible | Zero |
| Premium Cost | |
| Annual Coverage | $380 |
| Single Event / Show Coverage (10 days or less) |
$159 |
| Single Event / Show Coverage (up to 14 days) |
$189 |
Optional Coverages
We offer three additional coverages to further protect your business. These coverages may be added to your vendor liability policy at any time: Cyber Liability / Data Breach, Business Personal Property (Inland Marine), and Sexual Abuse & Molestation (SAM). Read more about these optional coverages below!
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 the website using the online certificate request, we will email you a copy for your records as well as fax or email wherever else you want your certificate to go.
Click the button below to submit an online vendor certificate request:
Office Hours
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
Specialty Insurance Agency
3432 Denmark Ave #231
Eagan, MN 55123
Ph: 715-246-8908 (leave a message if no one answers and we'll call you back ASAP)
Fax: 715-246-8908
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