A year into the pandemic, some parts of the country are easing gathering restrictions, which has resulted in some in-person events being held successfully. As organizers start planning more in-person events and vendors start signing up to participate, insurance should be part of the checklist.
Often, exhibitor contracts require the exhibitor or vendor to have insurance for the event they are participating in. This protects both the exhibitor and the event producer in the event of an accident.
Specialty vendor insurance is available to protect vendors and exhibitors demonstrating products, selling, or performing at special events, expos, fairs, and festivals against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. Additionally, coverage includes suits arising out of:
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Products liability coverage (completed operations)
- Incidental medical malpractice
- All activities necessary to conduct activities
- Ownership, use, or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
Accidents do happen – slips and falls, displays falling and damaging other displays or injuring someone.
Whether you are selling homemade baked goods or handmade crafts at your local farmers market, works of art at a city art fair, or offering fun-filled games at the town festival, make sure you have liability insurance protection before your booth is set up.