Trade Show Insurance for Exhibitors & Vendors: Cost & Quotes From $7

 

 

A trade show opens its doors to a variety of people and with this comes various risks. Specifically, there are risks of injury and other related damages that would be financially challenging. That’s why you need trade show insurance as an exhibitor or vendor to protect you against these risks. 

This  article features deep into exhibition insurance coverage and provides all the information needed. It sheds light on the importance of investing in trade show exhibitor insurance, what it covers, and the costs.

Trade Show Liability Insurance  

It provides protection when you’re responsible for the loss or damage sustained by others.  This can be classified as:

  • General liability insurance
  • Public liability insurance

 

General Liability Insurance for Trade Shows

general liability insurance. Also called exhibitor liability insurance as it’s designed to cover a trade show’s exhibitors,  general liability covers:

  • Personal injury claims-Incase of a personal injury from the employees or visitors general liability insurance will compensate or pay their medical expenses
  • Property damage-General liability insurance provides money you can use to refund the value of the damaged property 

 

Public Liability Insurance for Trade Shows

Trade show public liability insurance covers you in the event of lawsuits from members of the public. You no longer have to worry about raising the cash to pay as compensation or cover the arising legal fees. 

Suppose someone gets hurt due to activities in the tradeshow. If they were to seek medical treatment, your exhibition public liability insurance should help fill any cost gaps that their health insurance wouldn’t typically cover. 

The nature of activities in the trade show will determine whether or not you can get exhibition public liability insurance. 

 

Exhibitor Product Liability Insurance 

The products you’re selling in a trade show can be defective and they might cause injuries or property damage to the person buying them. By law, a person who sustains losses due to a defective product can file a claim. Product liability insurance protects you against this risk. 

Product liability insurance will cover attorney fees, administrative costs, and other legal expenses if a customer sues you for selling a product that has:

  • Design defects
  • Labeling errors
  • Manufacturing errors

Rental Equipment Insurance 

Rental equipment insurance helps you minimize risks by covering event property owned, borrowed, or hired for the exhibition. The cover protects you from paying for equipment damage. 

Trade Show Insurance Cost  

On average, premiums will cost $63 per month and $756 per year for a $1 million general liability coverage for an indoor trade show with only 20 participants. Here’s a breakdown of the trade show insurance cost in the market today. 

Company Cost per Month Cost per Year 
CoverWallet $57 $684
Markel $66 $792
Thimble $228 $2,736

 

Trade Show Cancellation Insurance 

Trade show cancellation insurance offers protection in the event that the trade fair gets canceled, disrupted, or postponed. 

If the event is canceled for any reason included within the policy, you should be compensated for registration fees, travel and accommodation costs, and transportation and drayage costs. 

In addition event cancellation policies can cover either single events or extended periods. The amount you end up paying in premiums will depend on the coverage length you choose.

 

Exhibition Vehicle Insurance  

Exhibition vehicle insurance covers any lawsuits that might be brought against your business due to damages or harm caused by a commercial vehicle you own. The cover extends to accidents caused by your employees or if your employees were to get into an accident and require medical care.

Commercial auto insurance isn’t an insurance policy on its own. This is actually composed of different coverages that provide protection, namely:

  • Auto liability coverage-Auto liability coverage enables commercial auto insurance to cover you in case the commercial vehicle causes an accident and injures people or destroys their property. 
  • Physical damage coverage-It covers the repair or replacement of your commercial vehicle’s parts. 
  • Comprehensive physical damage -This coverage will pay for your commercial vehicle’s parts repair or replacement if it sustains damage due to fire, theft, vandalism, hail, snow, windstorm, and other covered incidents
  • Personal injury protection/medical payments coverage- MedPay and personal injury protection covers medical or funeral expenses. 
  • In addition personal injury protection does more because it will also pay for lost wages, after-hospital visits, rehabilitation, and other costs

  

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Trade Show Vendor Booth Insurance

Trade show booth insurance is sold as a rented premises liability coverage. This is an optional policy to general liability insurance. Rented premises liability coverage will help you compensate the event hosts if the booth they rented out to you becomes damaged due to a fire. 

Pay-As-You-Go Workers Compensation Insurance for Trade Show Exhibitors 

Pay-As-You-Go Workers Compensation Insurance for trade show exhibitors is a more flexible type of insurance which allows many seasonal or event-based businesses to pay their insurance premiums according to the actual payroll. 

This type of insurance applies to employees engaged in trade shows and other events to cover injuries arising from their work activities.

You can cover the following costs;

  • Medical expenses-Pay as you go workers comp will pay for the ambulance fees, emergency room fees, surgeries, and other related medical expenses if an employee experiences a work-related injury or disease
  • Lost wages-Your employee has his or her lost wages covered by pay-as-you-go workers’ compensation insurance. Coverage for lost wages is a weekly allowance equal to two-thirds or 67% of the average weekly wage
  • Death benefits-it will cover funeral expenses and provide financial assistance to dependents if your employee dies due to a work-related injury or disease 

 

Temporary Exhibition Insurance

Temporary exhibition insurance is a broad term for different types of short-term or one-day business insurance coverages for trade show exhibitors or vendors. 

Best Trade Show Insurance Companies 

These are the best trade show insurance companies. Read to know their pros, cons, and pricing for  a $1 million general liability coverage.  

 

CoverWallet 

CoverWallet’s tailored trade show insurance features general liability insurance, a business owner’s policy with workers compensation insurance, rental space coverage, and a custom plan. 

Average cost: $57 per month 

Our rating: 9/10

Pros 

  • You can find and compare the offers from the different carriers underwriting tailored trade show coverages
  • General liability insurance comes with products and completed operations coverage
  • Sells tailored trade show insurance offering with a total of four insurance options

Cons

  • CoverWallet is not an insurance company but an insurance broker
  • It is mandatory to call to complete your trade insurance quote process

 

 

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Markel 

Markel offers its insurance products to clients in over 20 countries. Markel’s core business is specialized insurance and offers casualty, property, professional lines, and surety segment products as part of their offerings.

While Markel still focuses on providing multiple insurance products, it has a specific product for exhibitionists and vendors at a trade show.

Average cost: $66 per month 

Our rating: 9/10

Pros 

  • Comprehensive coverage for trade fairs 
  • Excellent claims experience
  • Well-established carrier with 90 years’ worth of experience in the insurance industry 
  • Highly rated by A.M Best and Better Business Bureau 

Cons

  • Poor customers claim handling and policy non-renewal 
  • No trade show insurance reviews on the official website 

 

Thimble 

Thimble offers on-demand insurance products, including trade show insurance policies. In addition they offer the most comprehensive coverage for vendors selling at trade shows with 200-300 attendees. Thimble trade show insurance doesn’t offer event cancellation, but the policy is fully refundable if the trade show is canceled before the start date or time. 

Average cost: $228 per month 

Our rating: 8/10 

Pros 

  • Flexible policy terms with monthly, weekly, daily, or even hourly coverage
  • You can extend, cancel or modify policies at any time via a phone call 
  • You can pause your trade show insurance for 30 days 
  • You get quotes in less than a minute 

Cons

  • Trade show insurance is not available in all states 
  • A third party underwrites trade show policies 

 

 

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