Insurance for Concessionaires & Vendors

Our A++ rated carrier considers indoor vendors, outdoor vendors, seasonal lots, tents and flea market/fair/show vendors including hot dog vendors, newsstands, mall kiosks, Christmas tree lots and more with competitive pricing up to 40 locations.

Ineligible Concessionaires & Vendors

Please note we cannot offer coverage to the following:

• Leases premises to others
• Is a franchisor
• Operates inside an amphitheater, arena, ball park, concert hall, stadium or theatre with seating for more than 2,500
• Located in AK, LA or WV

Coverage Available for Concessionaires & Vendors

• Property values up to $3,000,000 in protection classes 1-8
• Property values up to $500,000 in coastal zones (excluding wind and hail coverage)
• Inland marine values up to $50,000 for stands and miscellaneous items
• General liability up to $2,000,000 occurrence/$3,000,000 aggregate
• Excess general liability or umbrella up to $5,000,000
• Hired and non-owned auto liability up to $1,000,000 (equal to the general liability occurrence limit, not available in AZ, GA, IL, MS, VT or WI)

Claim Example for Concessionaires & Vendors

Bodily Injury – Food Vendors: A customer buys a hot dog from your stand. While eating the hot dog, the customer suddenly chips a tooth on something hard contained inside the hot dog. The customer incurs $700 in medical expenses and $6,000 in corrective dental expenses.

Bodily Injury – Seasonal Lots or Tents: Customers are within the premises you occupy choosing the perfect Christmas tree. A customer trips over an extension cord lying on the floor and sprains a knee. The customer incurs $1,200 in medical expenses for x-rays and $3,500 in lost wages.

Bodily Injury – Flea Market Vendors: You’re operating your booth at a flea market. Customers surround your booth to view merchandise. Your booth is suddenly knocked over by a strong gust of wind and a pole supporting your booth strikes a customer in the face causing a laceration. The individual incurs $1,100 in medical expenses, $12,000 for surgery to repair scar damage and $10,000 for mental anguish.

Theft: The day is over and your vending cart is stored for the evening. You awake to find it has been stolen. You will now need to spend $15,000 on a new cart and equipment.

Fire/Loss of Income: You receive a phone call awaking you from your sleep. There has been a fire in the warehouse that you lease and keep your most valuable merchandise. All merchandise is destroyed. Replacing your merchandise will cost $30,000. In addition, you will incur $4,000 in lost income while you are unable to continue operations due to this fire.