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Daily Wire Tip June 3: Vendor Event Insurance

By on June 3, 2010
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Daily Wire Jewelry Making Tip
June 03, 2010

Question:

Why would you need vendor event insurance??  Please tell me more because I do a LOT of these events!!!

Answer:

When you fill out the application/contract to participate as a vendor in a show, you are also more than likely signing a waiver that releases the promoter/show coordinator from any responsibility for anything that happens to you or a customer in your booth, at that show/event.

This means that if a customer cuts themselves on one of your displays or while trying on a piece of jewelry that may have a stray, sharp end, YOU are responsible!

Let us think of the lovely weather we sometimes have to deal with at outdoor shows. Your tent takes flight and on its way down the row it takes out a pottery tent and breaks/damages that artists works, YOU are responsible. An event attendee is in your booth and the heat is so bad that they faint and hit their head on your table; YOU are responsible. Ok, so now you are thinking of all of the horrible possibilities, most of which will never happen, but in today’s world you need to be prepared.

The easiest way for you to find the insurance you would personally need (according to what and where you participate) is to perform an Internet search using the terms “vendor show, exhibit, event insurance,” as there are many different types available, and this insurance does not have to cost a lot to cover you for liability.

Answer contributed by Dale “Cougar” Armstrong

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6 Comments

  1. avatar

    Danette

    June 3, 2010 at 8:21 am

    Where I live, in the Pacific Northwest, I am required to have vendor insurance or I can’t participate in events. It’s written into the contract. It’s not expensive, though. Mine was just over $100 for the whole year.

  2. avatar

    Ruby

    June 3, 2010 at 8:22 am

    Great info to know. I certainly didn’t know any of this; I’ll be searching the internet! Thanks so much!

  3. avatar

    Jane Elizabeth

    June 3, 2010 at 8:54 am

    In response to comments regarding insurance… no wonder why everyone has to charge an arm and a leg for each piece! Makes you long for the “good old days” when people weren’t incouraged to take you for “everything you have”. This is just another reason why you have to have so much money to start out your business with.

    • avatar

      dalecgr

      June 4, 2010 at 12:30 am

      Actually Jane, this insurance is not expensive, but as with any ‘insurance’, when you don’t have it is when you need it : ) Now, you probably don’t need insurance if you are doing the $15 Grasshopper Festival down the street, but it is important to look into when you get into some of the larger shows.

  4. avatar

    Kimberly Graham

    June 3, 2010 at 12:34 pm

    Thank you so much for this information. I’m new at the show thing, and wasn’t aware this was something to consider. I’ll call my insurance agent today.

    • avatar

      dalecgr

      June 4, 2010 at 12:27 am

      Please be aware that a lot of ‘regular’ insurance agents may not be able to provide you with good but inexpensive coverage. I actually did the search I mentioned in my main answer and found a LOT of really good choices.