Liability Insurance
for Vendors
A Liability Insurance Program Providing Protection
from Lawsuits of Bodily Injury and/or Property Damage
Quote or Purchase Insurance
The AmeriSent 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,
AmeriSent 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.
Coverage Details
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.
Body piercing or tattooing, Catering companies, Christmas tree retail lots, Corn or hay maze, Disc-Jockeys for events over 200 attendees, DJ companies with more than 1 employee, E-commerce selling, Entertainment and film industry vendors, Fire dancing, Fire eating, Food trucks, Haunted attractions, Heavy machinery, Hot wax impressions, Live edge weapon performers, Petting zoo / Live animals, Live bands with more than 1 individual, Marijuana or Cannabis / Hemp / Tinctures or similar products or paraphernalia, Massage, Medical testing, Medical / Dental / Spa procedures, Motor sports activities, Nutritional / health supplements, On-site installation / service / repair of products, On-site equipment rental, Oxygen / aromatherapy, Political information, Voter registration, Pro-life or Pro-choice information, Storefront operations, Timeshare sales, Tobacco products, Vehicles in motion, Watercraft exhibits on water, Weapon throwing, Weapon sales, Weight-loss plans or products, Wholesale business.
Exclusions
Premiums
Liability Rates and minimum premium may be higher in certain coverage states. Premium rates begin at:
Program Rate 5 consecutive days or less:
$59.36 Premium + $15.00 Broker Fee
= $74.36 Total
Program Rate 6 – 14 days:
$115.00 Premium + $15.00 Broker Fee
= $130.00 Total
Program Rate 15 – 30 days:
$175.00 Premium + $15.00 Broker Fee
= $190.00 Total
Program Rate 1 – 6 months:
$320.00 Premium + $15.00 Broker Fee
= $335.00 Total
Program Rate 6 month – Annual:
$405.00 Premium + $15.00 Broker Fee
= $420.00 Total
The Optional Coverages
Equipment Coverage
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.
Increased Aggregates
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).
Insurer
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.
