General Liability Insurance—Included on the annual and show policy, this coverage can help you with third-party damages and injuries. These are things that happen to other people or property because of your operations or supplies. It is not coverage for any damages that may happen to your own booth, supplies, or inventory.
Tools, Supplies, & Inventory Coverage (Inland Marine)—Only available on the annual policy, this coverage is designed to help you with first-party damages. If your tent, display, tools, inventory, or any other tangible property related to your business is damaged, this may help pay for the repairs or loss of items. It does not cover the retail value of finished products, rather the cost of the supplies to make that product.
Damage to Premises Rented to You—Included only on the annual policy, this coverage is for fire damage that may occur in a space you rent, such as a studio, workspace, or a stall/permanent booth at an event.
Medical Expense Limit—Included on the annual and show policy, this coverage helps to cover up to $5,000 of medical bills you may be responsible for if your business or product is the cause of injuries or illnesses. If someone has to visit a specialist for a rash caused by your product, needs stitches after a defective product leaves a deep cut, or must attend physical therapy after tripping in your booth, these expenses may be covered under your policy.
Products & Completed Operations Coverage (Product Liability)—Included only on the annual policy, this coverage can help you pay for injuries or damages caused by your product. This could be someone who has an allergic reaction to a dye you used in handmade clothes, or stains on their tile floor from your handmade pottery. It also may cover products that are damaged in shipping to a customer.