Vendor Liability Insurance

K&K’s vendor liability insurance program is designed for concessionaires, exhibitors, and vendors who sell, display, demonstrate, or promote 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 outdoor area. Four vendor liability insurance options are offered including single event (one month or less), three-month coverage, six-month coverage, and 12-month coverage. Optional coverage for Equipment and Contents coverage is also available.

Insurance coverages available

Vendors selling, displaying, demonstrating or promoting:
•   Antiques and collectibles
•   Apparel and accessories
•   Arts and crafts
•   Auto or vehicle accessories (nonmechanical)
•   Candles
•   Caterers (single event option only)
•   Celebrity, mascot or character appearances
•   Cleaning accessories and products
•   Exercise equipment
•   Food and drinks
•   Game trailers or booths
•   Gift wrap booths
•   Health and beauty products
•   Home-based wedding vendors (caterers, DJs, florists, ice sculptors, decorators, photographers/videographers (single event option only)
•   Kitchen or cookware accessories or appliances
•   Lawn and garden equipment or hardware sales
•   Literature distribution
•   Micro-reality racetracks
•   Motorized equipment - static display only
•   Produce and flowers
•   Product demos
•   Product or service display exhibits
•   Souvenir sales
•   Sports and camping equipment
•   Toys (for ages 5 and over)
•   Vehicle or boat display - static display only
Who is eligible for vendor liability insurance?

Vendors selling, displaying, demonstrating or promoting (Including but not limited to):
•   Alcoholic beverages - selling or furnishing
•   Animals
•   Art Exhibits - over 10 feet tall or occupying more than 100 sq ft (unless reviewed and approved by K&K)
•   Auto parts (mechanical)
•   Body piercing or permanent tattooing
•   Christmas tree retail lots
•   Contractors (lighting, stage, sound, etc.)
•   Cryogenic chambers/therapy
•   E-commerce selling
•   Fire safety equipment
•   Fireworks sales and displays
•   Haunted attractions
•   Hot wax impressions
•   Leasing and rental operations
•   Mazes (corn, hay, fence)
•   Medical testing
•   Motorsports activities
•   Nutritional and health supplements (selling)
•   Onsite installation, service, or repair of products
•   Onsite equipment sales or rental
•   Oxygen or aromatherapy bar
•   Paintball equipment/accessories
•   Photographers (unless for a single event home-based wedding photographer)
•   Protective equipment or apparel
•   Storefront operations
•   Tobacco, cannabis, and cannabis-related products (including e-cigarettes, vapor products)
•   Toys (for ages 4 and under)
•   Unmanned aircraft systems (e.g.: drones, RC aircraft)
•   Vehicles in motion
•   Watercraft exhibits on water
•   Weapon sales
•   Weight-loss plans or products (selling)
•   Wholesale business operations
Who is not eligible for vendor liability insurance?

General Liability
•   Contractual Liability
•   Personal & Advertising Injury
•   $300,000 Damage to Premises Rented to You
•   $5,000 Medical Payments
Equipment and Contents – Inland Marine (General Liability must be purchased in conjunction with Equipment and Contents)
•   $250 - $2,500 deductible (based on limits)
•   All items must be insured to 100% replacement cost value
• May not be available in all states
Key Exclusions

• Abuse, molestation, harassment or sexual conduct
• Aircraft/hot air balloon
•   Airport - the ownership, operation, maintenance, or use of any airfield or airport facility or premises. This exclusion does not apply to concessionaires, exhibitors or vendors selling, displaying, demonstrating, or promoting their products or services at any airfield or airport facility or premises
•   Amusement devices - the ownership, operation, maintenance, or use of any mechanical or non-mechanical ride, slide, or waterslide, any inflatable recreational device, any bungee operation or equipment, any vertical device or equipment used for climbing (either permanently affixed or temporarily erected), or dunk tank. Amusement devices do not include any video or computer games or structures that are not designed to bounce on, slide on, ride on, or tunnel through.
•   Animals: injury or death to, or injury, death or property damage caused by any animal owned or rented by the insured
•   Asbestos
•   Cap on losses from certified acts of terrorism
•   Communicable Diseases
•   Cyber incidents, data compromise, and violation of statutes related to personal data
•   Employment-related practices
•   Fireworks
•   Fungi or bacteria
•   Lead
•   Nuclear energy liability
•   Performers
•   Rodeos
•   Saddle animals
•   Sexually transmitted diseases
•   Silica or silica-related dust
•   Snowmobiles
•   Total pollution except for building heating, cooling, and dehumidifying equipment and hostile fire
• Unmanned aircraft
What do I need to apply?

Please apply online or complete the appropriate PDF enrollment form and submit as directed in the form. Coverage is subject to underwriting, may not be available to all applicants in all states, and may vary by state. It is important to carefully review the terms and conditions of any insurance quotation. Please contact a K&K representative if you have any questions.
• Full payment by check or credit/debit card

Applications

Please click on the link below to download an application. Depending on your browser settings, the application may download directly to your computer without opening. Please check your download folder to find the PDF application document.

Concessionaires, Exhibitors and Vendors Insurance Program and Enrollment Form
This brochure is valid for effective dates of 2/1/2024 through 1/31/2025

Certificate of Insurance Request Form

Inland Marine Quote Request Form

Did you Know?

• Options available: Single Event (one month or less), 3 Month Coverage, 6 Month Coverage and 12 Month Coverage

• No limit on the number of shows during the 3-month, 6-month, and annual coverage periods

• No charge for Additional Insureds.

• No charge for Certificates of Insurance for our Vendor Liability Insurance program

• Discounted rates for multiple booths

Phone

800-328-2317
Fax

260-459-5502
Email

Email us

If I need to request an additional certificate of insurance for a specific event that I will be attending, how do I do this?

Coverage can be bound the date after we receive a completed enrollment form and the appropriate premium. Please allow adequate time for us to process your enrollment form and issue certificates.
What is a general aggregate?

The effective date is the date you need your insurance to start. For many, this is the first day of the camp/clinic or when you begin setting up. If you are renewing coverage with K&K, use the expiration date of your coverage.
What is the coinsurance penalty associated with Equipment and contents (Inland Marine) coverage?

A written request from the insured contact is required. There is a certificate request form that will be sent with your original coverage documents that can either be faxed or emailed to K&K. Please allow adequate time for processing.
What does the term "replacement cost" value mean with regard to equipment and contents (inland marine) coverage?

Enrollment by telephone is not permitted. You can apply for coverage by completing an enrollment form and submitting it to K&K as directed on the form.
How soon does my vendor insurance coverage start? When will we receive proof of coverage?

The general aggregate is the maximum amount available to be paid out in any policy period for all covered losses.
When should I make my vendor liability insurance coverage effective?

The Equipment and Contents (Inland Marine) policy contains a 100% coinsurance clause. With a 100% coinsurance clause, an insured agrees to accept a penalty if a covered loss occurs, and all of an insured’s equipment and contents are not insured to their replacement cost value. For this reason, it is vital that the values of an insured’s equipment and contents be accurately reported and updated annually to reflect inflation and other increases in cost. If they are undervalued, a coinsurance penalty may be applied at the time of a loss. The penalty equals the difference between the amount of the loss and the amount actually paid by the carrier.

The simple formula used to arrive at the amount to be paid by a carrier on a covered claim is as follows:
“Did” / “Should” x Loss Amount – Deductible = Amount Paid.
“Did” = the amount of coverage purchased
“Should” = The replacement value of the equipment and contents that should have been insured.
Can I apply for vendor's insurance coverage over the phone?

Replacement cost means that the value of covered property will be based on the replacement cost at the time of covered loss without any deduction for depreciation. It is limited to the cost of repair or replacement with similar property and used for the same purpose.
Will I receive a policy after submitting the enrollment form for vendors insurance?

No. You will receive a certificate of insurance as evidence of coverage. By applying for this insurance, you are applying for membership in the Sports, Leisure and Entertainment Risk Purchasing Group (RPG), a group formed and operating pursuant to the Liability Risk Retention Act of 1986 (15 USC 3901 et seq.). Coverage is offered exclusively through the RPG. The RPG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the RPG. Each member receives their own certificate of insurance as evidence of coverage. The limits of insurance apply individually to each insured member organization - there are no shared limits of liability with any other members. For a copy of the RPG master policy, please submit your request in writing to: K&K Insurance Group, Inc., 1712 Magnavox Way, Fort Wayne, IN 46804.

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Vendor Liability Insurance

Program Highlights

Insurance coverages available

Who is eligible for vendor liability insurance?

Who is not eligible for vendor liability insurance?

Key Exclusions

What do I need to apply?

Applications

Did you Know?

Contact Information for Vendor Liability Insurance

Phone

Fax

Email

Ready to get started?

Frequently Asked Questions

If I need to request an additional certificate of insurance for a specific event that I will be attending, how do I do this?

What is a general aggregate?

What is the coinsurance penalty associated with Equipment and contents (Inland Marine) coverage?

What does the term "replacement cost" value mean with regard to equipment and contents (inland marine) coverage?

How soon does my vendor insurance coverage start? When will we receive proof of coverage?

When should I make my vendor liability insurance coverage effective?

Can I apply for vendor's insurance coverage over the phone?

Will I receive a policy after submitting the enrollment form for vendors insurance?

Why choose K&K?

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Short-term Event Insurance

Event Planners Insurance

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