Vendor Insurance for Community Festivals: What You Need to Know


Festivals and the arts are a major part of cultural life in communities across America. A study from the National Endowment for the Arts found that visual arts and crafts were a feature of more than two-thirds of festivals in the U.S.

Despite the immeasurable benefits these events bring to communities, they can also generate liability claims against those who participate as vendors at the festivals.

To protect against this kind of circumstance, vendors can get vendor insurance for festivals. At Philadelphia Insurance Companies (PHLY), we have decades of experience and expertise in the special events industry and are able to provide expert guidance on the best policy for you.

Why Get Vendor Insurance for Festivals?

To participate at a community festival or event, vendors are often required to obtain insurance. Requirements aside, purchasing vendor insurance is always a good idea, as unforeseen incidents can lead to claims being made against a vendor. In most cases, these policies are limited to covering the vendor during the specific event he or she will be participating in.

Festival organizers often require specific proof of insurance coverage from vendors in order to participate in an event they are hosting. With our insurance policies, a Certificate of Insurance is issued immediately upon purchase. This certificate is emailed instantly to you and provides the proof of coverage needed to meet venue requirements.

What's Covered?

A vendor insurance policy from PHLY will protect you from liability against a wide range of unforeseen circumstances that may occur before or during your community event. Our vendor insurance for festivals includes:

  • Standard liability coverage
  • Slip and fall coverage
  • Personal advertising injury
In many cases, you can request to add products liability coverage to your policy, contingent on approval. This protects vendors against claims resulting from harm caused by the product they sold. We also offer an option to add an Additional Insured to your policy for qualified applicants. This means another party can be added to your policy and named on the Certificate of Insurance, thus receiving the same coverage.

Who Does PHLY Cover?

We cover a wide range of vendors looking to obtain the insurance required to participate at community festivals. Below are some examples of the vendors we cover. While this list is not exhaustive, it does represent the types of vendors we have a history of covering:

  • Food vendors, such as hot dog and hamburger sellers
  • Informational booths
  • Arts and crafts vendors
  • Small goods and services vendors
We have a strong tradition of providing exceptional coverage to vendors across the United States. If you are unsure if you would qualify for coverage, a PHLY representative can help.

Why Choose PHLY?

Speed and convenience
We've dedicated considerable resources to simplifying the insurance process for vendors. The application process can be completed entirely online and is streamlined to save you time. Our application is also designed to be mobile-friendly, so you can use your phone to obtain a policy in just minutes.

Once you complete the process using our convenient online purchase processing, your policy will be emailed to you instantly. We'll include the Certificate of Insurance so you can quickly provide the necessary documentation to meet your venue's requirements. At PHLY, we've designed the process so you can spend less time worrying about insurance and more time getting ready for the event.

Excellent customer service
We have a 96% overall customer satisfaction rating which is echoed in our consistently positive customer reviews. We are dedicated to providing an outstanding customer experience that matches the superior policies we offer.

High limits available
We offer large limits to ensure that vendors are adequately protected from any financial exposure. Our standard policies include limits of up to $1M. In addition to our high limits, we also offer $0 deductible with our policies.

With decades of experience in insurance, we have the expertise needed to secure the perfect vendor insurance policy for you or your clients. Fill out an application or speak with a PHLY Representative to get started today!

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