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.
Target Risks: (Not limited to those below)
- Risks with up to:
- $5,000,000 in annual sales per account
- $500,000 in annual sales per stand/truck
- 40 stands or up to five trucks
- Street vendors, flea or farmers market operations, kiosks, stands, tables, booths, food trucks, merchandise trucks, seasonal lots and tents
- More than 60 classes of business, including the following most common classes:
- Antiques
- Beverages
- Cosmetics
- Electronics
- Food trucks
- Jewelry
- Luggage and handbags
- And more!
Ineligible for Online Quoting:
Please note we cannot offer coverage to the following:
- Lease premises to othersuIs a franchisor
- Operate inside an amphitheater, arena, ball park, concert hall, stadium or theatre with seating for more than 2,500
- Located in AK, LA or WV
Coverages Available For Concessionaires/Vendors
- Property values up to $3,000,000 in protection classes 1–8 (excluding wind and hail coverage)
- Property values up to $1,000,000 in coastal zones
- General liability up to $2,000,000 occurrence/$3,000,000 aggregate
Optional Coverage for Concessionaires/Vendors
- Inland marine values up to $35,000 for stands and miscellaneous items
- Ability to offer inland marine for scheduled and miscellaneous items on most classes
- Ability to offer property and general liability coverage for warehouse and/or office locations
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.