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Concessionaires, Exhibitors & Vendors
             

                                        
 
This program is designed for the concessionaires, vendors and exhibitors who are selling, displaying, demonstrating or promoting their products or services, on a short term basis at special events, malls, shopping centers, tradeshows, consumer shows, or a location that is away from any owned or long term leased premises.  The insured operations can be conducted from a kiosk, booth, cart, trailer, tent or an outdoor area.
 
Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.
 
 
Eligible Operations
 
-Antiques & collectibles
-Home based vendors (caterers, DJs, florists,
-Apparel & accessories
ice sculptors, decorators, photographers/videographers-
-Arts & crafts 
single event option only)
-Auto/vehicle accessories (non-mechanical)-Kitchen or cookware accessories or appliances (no knives)
-Candles-Lawn & garden equipment
-Caterer (single event option only)-Literature distribution
-Celebrity, mascot or character appearances-Micro-reality race tracks
-Cleaning accessories & products-Motorized equipment - static display
-Exercise equipment-Product demonstrations
 -Floral
-Product or service displays
-Food, drink or produce sales
-Souvenir sales
-Game trailers or booths
-Sports or camping equipment
-Gift wrap booths
-Toys (for ages 5 and over)
-
Hardware sales
-Vehicle/boat display- static only 
-
Health & beauty products


 
Coverages Available & Program Highlights:  
   
General Liability Equipment & Contents
-Contractual Liability-$250-$2,500 deductible (depends on limits)
-Personal & Advertising Injury-General Liability coverage must be purchased in
-$300,000 Damage to Premises Rented to Youconjunction with the Equipment & Contents
-$5,000 Medical Payments-All items must be insured to 100% replacement
-Options available include: Single Event (one month or  cost value
 less), 3 Month Coverage, 6 Month Coverage-
May not be available in all states
and 12 Month Coverage
-Additional Insureds at no charge 
-No limit on number of shows during the 3-month, 6-month
 and annual coverage periods 
-No charge for Certificates of Insurance
-Discounted rates for multiple booths 
 
Risks Not Eligible Under This Program: (Including but not limited to)
 
-Alcoholic beverages - selling or furnishing-Nutritional/health supplements (selling)
-Animals
-On-site installation/service/repair of products
-Any games that involve person-to-person contact-On-site equipment sales or rental
-Art displays over 10 feet or occupying more than 100 sq ft-Oxygen/aromatherapy bar
(unless reviewed and approved by the program administrator)-Paintball equipment/accessories
-Auto parts (mechanical)-Photographers (unless for a single event home-based
​-Body piercing or permanent tattooing​photographer)
-Christmas tree retail lots-Protective equipment or apparel
-Contractors (lighting, stage, sound, etc.)-Storefront operations
-​Cryogenic chambers/therapy-Tobacco, Cannabis, and Cannabis related products
-E-commerce selling (including e-cigarettes/vapor products)
-Fire safety equipment-Toys (for ages 4 and under)
-Fireworks sales & displays-Unmanned aircraft systems (e.g.: drones, RC aircrafts)
-Haunted attractions-Use of and/or sales of weapons (such as: guns, axes, knives,
-​​Hot wax impressions​swords, tasers, defense sprays)
-Leasing/rental operations-Vehicles in motion
-Mazes (corn, hay, fence)-Watercraft exhibits on water
-Medical testing-Weight-loss plans or products (selling)
-Motorsports activities-Wholesale business operations
​ ​ ​ ​
Notable exclusions​ ​ ​ ​
​ ​ ​ ​
-​​Abuse, molestation, or exploitation
-​Cap on losses from certified acts of terrorism
​-
Aircraft/hot air balloon
​-
Commercial general liability standard exclusions 
-​Airport: Ownership, operation, maintenance, or use of any

(CG0001 4/13 edition)

airfield or airport facility or premises. This exclusion does not
​-
Communicable disease

apply to concessionaires, exhibitors, or vendors selling, 
​-
Cyber incident, data compromise, and violation of statutes

displaying, demonstrating or promoting their products or

related to personal data

services at any airfield or airport facility or premises
​-Dunk tank
related to personal data
​-Employment related practices
​-
Amusement device: The ownership, operation, maintenance
-​
Fireworks

or use of any device or equipment a person rides for enjoyment,
​-Fungi or bacteria

including, but not limited to: mechanical or non-mechanical ride,
​-Haunted attraction

slide, or water slide (including any ski or tow when used in 
​-
Lead

conjunction with a water slide); inflatable recreational device
​-
​Nuclear energy

or vertical device or equipment used for climbing, whether
​-
​Performer

permanently affixed or temporarily erected. This exclusion
​-
​Rodeo

does not apply to video games or computer games or structures
​-
​Saddle animal

that are not designed to bounce on, slide on, ride on or 
​-
​Sexually transmitted disease

tunnel through
-​​Silica or silica-related dust
​-
Animals
-
​Snowmobile
-​
Asbestos
-​​Specified recreational vehicles and activities
​-
Bungee
-​​Total pollution with a building heating, cooling & dehumidifying


​equipment exception and hostile fire exception

​-
​Unmanned aircraft


  
 
Preliminary Underwriting Information Required
-K&K Applications
-Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and
 payment