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American Specialty Insurance & Risk Services
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American Specialty Insurance & Risk Services
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Fairs Insurance



Fairs bring communities together for entertainment, commerce, and education. Whether the event showcases livestock, local produce, crafts, or includes rides and special attractions, fairs expose organizers to a broad range of risks—crowd injuries, vendor operations, animal-related claims, and third-party property damage. American Specialty Insurance & Risk Services offers a dedicated Fairs Insurance program with coverages and services designed specifically to manage those exposures for organizers, fair boards, and event managers.
Eligible Operations for Fairs Insurance
County Fairs
State Fairs
Agricultural Shows
Exhibitions
Special Events
Trade Shows
Livestock Shows
Festivals
Vendors/Exhibitors

Program Highlights for Fairs Insurance
“Excellent” or higher A.M. Best rated carrier
Admitted coverage in all available states
Custom program forms and rating for fair operations
Non-auditable policies where appropriate
24-hour claims response
Dedicated in-house underwriting and claims management
Risk management consultation and loss control support
Online agent resources and placement tools

Program Coverages for Fairs Insurance

General Liability
Participant Legal Liability
Volunteers as additional insureds
Contingent fireworks liability
Contingent ride liability
Excess/umbrella liability
Liquor liability
Automobile/garage operations
Property and equipment coverage
Crime and employee dishonesty
Employee benefits liability
Volunteer accident medical
Workers' compensation solutions where needed
Deductible / self-insured retention options

Why Choose American Specialty for Your Fairs Clients?

As a managing general underwriter with long-standing experience in events and entertainment, American Specialty provides a focused program built for fair organizers and event managers. Our in-house team handles underwriting, claims, risk management, and policy administration to give agents a single point of contact from submission through policy servicing. We use program-specific forms and rating so placement is efficient and tailored to this class of business.

Typical accounts we place include a multi-day agricultural exhibition with livestock competitions, carnival rides, and food vendors; a county fair with temporary vendors and live entertainment; or a regional trade show with indoor exhibits and contracted contractors. These operations often face mixed exposures—third-party injury, animal and participant liability, and vendor operations—and our program is structured to address them.

Policies are available on an admitted basis in all 50 states and the District of Columbia. Minimum premiums vary with event size, scope, and exposures. Whether you need one-time event coverage or annual policies for recurring fairs, our underwriting team can recommend appropriate limits and endorsements.

For full program details and agent resources, visit our Fairs Insurance storefront or our company profile on CompleteMarkets.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program fits county and state fairs, agricultural shows, exhibitions, livestock events, festivals, trade shows, and the vendors/exhibitors who participate in them.

Is the coverage admitted in all states?

Yes. Policies are offered on an admitted basis in all 50 states and the District of Columbia.

Can this program cover rides and fireworks?

Yes. Contingent ride liability and contingent fireworks liability are available—coverage depends on underwriting review of ride operators and fireworks contractors.

Does the program provide coverage for volunteers?

Yes. Volunteers can be added as additional insureds, and volunteer accident medical coverage is available as part of the program.

Who underwrites and manages the claims?

American Specialty underwrites and manages claims, risk control, and policy administration in-house to give agents a single, consistent team for placement and servicing.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    Insurance carriers rated "A" or higher by A.M. Best
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

AGENCY LICENSING

Licensing
Each state’s regulatory department requires licensing for any broker soliciting coverage within that state. Failure to maintain proper licensing status can result in penalties not only to the broker, but also to the insurer. Therefore, in addition to the completed Broker Agreement, we require that you provide the following:

1.      A copy of your resident license and, if applicable, non-resident licenses for each state in which you have an account insured with our program.

2.      A copy of your agency’s corporate license issued by your state's Department of Insurance.

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American Specialty Insurance & Risk Services has other insurance programs like Amateur Sports Associations Insurance.