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  Glossary | Buy On-line


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.

Eligible Operations
- Antiques & collectibles - Home based vendors (caterers, DJs, florists,
- Apparel & accessories  ice sculptors, decorators, photgraphers/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
- Produce demonstrations
- Floral
  -Product or service displays
-Food, drink or produce sales
-Souvenir sales
-Game trailers or booths
-Sports & 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 You conjunction with the Equipment & Contents
- $5,000 Medical Payments -All items must be insured to 100% replacement cost
- Options available include: Single Event (one month or  value
  less), 3 Month Coverage, 6 Month Coverage
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 tall 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
​-Communicable disease
​-​Aircraft/hot air balloon​-
Cyber incident, data compromise, and violation of statutes
​-​Airport - the ownership, operation, maintenance, or use
related to personal data
​​of any airfield or airport facility or premises. This exclusion​-Dunk tank
​does not apply to concessionaires, exhibitors or vendors​-Employment related practices
​selling, displaying, demonstrating or promoting their products​-
or services at any airfield or airport facility or premises​-Fungi or bacteria
​-​​Amusement devices - the ownership, operation, maintenance​-Haunted attraction
​or use of: any mechanical or non-mechanical ride, slide, or​-Lead
​water slide (including any ski or tow when used in conjunction
​-Nuclear energy
with a water slide); inflatable recreational device or vertical
device or equipment used for climbing, whether permanently
affixed or temporarily erected. This exclusion does not apply
​-Saddle animal
to video games or computer games or structures that are not
​-Sexually transmitted disease
designed to bounce on, slide on, ride on, or tunnel through
Silica or silica-related dust
​Specified recreational vehicles and activities
​Total pollution with a building heating, cooling & dehumidifying
​Cap on losses from certified acts of terrorism
​equipment exception and hostile fire exception
​Commercial general liability standard exclusions
-​​Unmanned aircraft
​(CG0001 4/13 edition)

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