A Liability Insurance Program Providing Protection
from Lawsuits of Bodily Injury and/or Property Damage
The Harmon Insurance vendor liability program has been structured to meet the needs of vendors big and small.
We have specifically tailored programs in place that offer the coverage you need to
keep your business protected. Our
programs are available for one-day special events, annual policies, and anything in between.
While many vendors are accustomed to acquiring insurance on a solo basis,
Harmon Insurance also offers the convenience of group policies.
For events with multiple vendors, our group policies help save time and money while still
offering the same world-class protection and customer service we are known for.
This program provides protection for the Policyholder against
claims of bodily injury liability, property damage liability, personal and
advertising injury liability and the litigation costs to defend against such
claims. Coverage is provided up to $1,000,000 per occurrence. There is no
deductible amount. Coverage is offered through the Sports and Recreation
Providers Association Purchasing Group.
Coverage Includes Suits Arising Out Of
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Products liability coverage (completed operations)
- Professional liability (involves specialized education, knowledge, labor, judgement and skill that is predominately mental or intellectual)
- Alleged physical and non-physical abuse (verbal, mental or emotional abuse)
- Products liability coverage (completed operations)
- Incidental medical malpractice
- All activities necessary to conduct activities
- Ownership, use or maintenance of fields or practice areas
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
- Corporal punishment
Exclusions for Commercial General Liability Coverage, include but are not limited to the following:
Access or Disclosure of Confidential or Personal Information and data-Related Liability – With Limited Bodily Injury Exception, Coverage C –
Medical Payments, Employment Related Practices Exclusion, Fungi or Bacteria, Exclusion of Other Acts of Terrorism Committed Outside the
United States; CAP on Losses from Certified Acts of Terrorism, Exclusion of Punitive Damages Related to Terrorism, Liability Arising Out of
Lead, Silica or Related Dust Exclusion, Nuclear, Biological, or Chemical Exclusion, Failure to Provide Waiver and Release Sublimit,
Exclusion – Organic Pathogens. All of the above are subject to the terms and conditions of the policy.
The ownership, operation, maintenance arising out of the use of inflatable recreational devices or inflatable amusement devices of any kind.
Any use, event or display arising out of fireworks, or any other use of pyrotechnics including any firework sales.
Any use, handling, or storage of any firearms, ammunition, or explosives.
Any operations involving bungee devices, carnival rides, corn cannons, organized equine racing contests,
organized equine vaulting or jumping contests, leasing of horses, jumping pillows, knocker ball, bubble soccer,
Zorb ball, mechanical bucking devices including multi-ride attachments, aerial activities above 12 feet, rock climbing activities,
activities involving permanent or mobile rock wall climbing structures, zip lines, pumpkin launching devices, rope challenge courses,
water skiing, surfing, white water rafting or kayaking, tackle football, ATV/UTV, tracked or trackless train rides, trampolines,
bike related trick or stunt activities or contests, Zippy Pets, haunted houses, haunted trails or haunted boats or barges,
demolition derbies of any kind, independent security services other than a contracted public law enforcement officer.
Body piercing or tattooing, Catering Companies, Christmas tree retail lots, Corn or Hay maze, Disc-Jockeys for events over 200 attendees, E-commerce selling, Entertainment and Film Industry Vendors, Food Truck Vendors, Haunted attractions, Hot wax impressions, Live animals, Live Bands, Marijuana and other cannabis products and/or paraphernalia, Massage, medical testing, Motor sports activities, Nutritional/health supplements, On-site installation/service/repair of products, On-site equipment rental, Oxygen/aromatherapy, Storefront operations, Time share sales, Tobacco products, Vehicles in motion, Watercraft exhibits on water, Weapon sales, Weight-loss plans or products, Wholesale business
PLEASE NOTE: Catering Companies, Christmas tree retail lots, Corn or Hay mazes, Disc-Jockeys for events with over 200 attendees, Haunted attractions, Live Bands, Food Truck Vendors, Entertainment & Film Industry Vendors are not eligible under this program, however, you can apply to receive a quotation.
Liability Rates and minimum premium may be higher in certain coverage states. Premium rates begin at:
|- Program Rate 5 consecutive days or less:
|- Program Rate 6 – 14 days:
|- Program Rate 15 – 30 days:
|- Program Rate 1 – 6 months:
|- Program Rate 6 month – Annual:
Please note that a 3% Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.
The Optional Coverages
This Inland Marine insurance product
provides coverage for your equipment
and contents up to the specified limit.
Hired and Non-Owned Automobile Liability Coverage
This liability coverage provides protection for rented, borrowed and other non-owned vehicles
driven on vendor business.
This option increases the aggregate limit of liability insurance
from $1,000,000 to larger amounts.
$10,000 Medical Payments Coverage
This coverage will reimburse an injured spectator or guest for medical and/or funeral
expenses incurred as a result of bodily injury or death, regardless of whether you are
liable or not.
Abuse or Molestation
Liability coverage is provided for claims arising out of alleged abuse or
molestation as well as alleged physical and non-physical abuse (verbal, mental or emotional abuse).
The general liability coverage is provided by Great American Insurance Company (Admitted) (A+ Superior XV A.M. Best)
This page has been designed to illustrate the highlights of this program but is not a contract.
Some exclusions and coverages may be modified to meet individual state requirements.
For specific details, please request a sample policy.