Program Highlights
Target Classes
Eligible Operations (Products Coverage Available)
- Antique and collectible vendors
- Arts & crafts vendors
- Apparel and accessories
- Face painting and photo booths
- Food and drink concessionaires
- Cookware and household goods
- Souvenir and gift-wrapping booths
- Lawn and garden equipment sales
- Sports and camping gear, retail carts
- Static vehicle displays, game booths, and similar operations
Eligible Operations (Products Coverage NOT Available)
- Auto parts and accessories
- Candles (selling only)
- Health and beauty products
- Fire safety equipment
- Motorized equipment and vehicles
- Toys, exercise equipment, and cleaning chemicals
Ineligible Operations
- Alcohol sales
- Fireworks or haunted attractions
- Mechanical or inflatable amusements
- Live animals, medical testing, or tattooing
- Weapons, motorsports, or on-site installations
Underwriting and Availability
Coverage is placed with admitted, “A” rated carriers. Minimum premiums and specific terms vary by exposure, product type, and length of the event. The program is available nationwide in all 50 states and Washington, D.C., giving agents a single solution for multi-state event schedules.
Why Work With American Specialty
American Specialty Insurance & Risk Services is a Managing General Underwriter focused on sports, entertainment, and event-related risk. Through FastCov.com they provide an online platform that lets agents rapidly quote, bind, and issue policies and certificates—helpful when venue requirements require immediate proof of insurance.
The program’s strengths are speed, admitted paper, and a streamlined experience for short-term vendors and exhibitors. It is intended to handle the typical exposures of event-based sellers: slip-and-fall, product liability (where available), and property in transit (via Inland Marine options).
Typical Account Examples
- You have a client who sells handmade jewelry and crafts at weekend street fairs across several states — the program can provide product liability and GL for scheduled events with quick certificates for each venue.
- You place a seasonal food concessionaire who operates at county and state fairs — the program offers short-term GL with admitted carriers and instant COIs so the vendor can comply with booth insurance requirements.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for vendors, exhibitors, and concessionaires participating in short-term events like fairs, festivals, and trade shows.
Can I get product liability coverage for my client?
Product liability is available for many eligible vendor classes. Some operations may only qualify for general liability without product coverage—check eligibility during quoting.
What are the minimum premium requirements?
Minimum premiums vary by operation, exposure, and duration. Use the online quoting system or contact underwriting for an accurate minimum for a given account.
Are certificates of insurance available instantly?
Yes. Once coverage is bound, certificates can typically be generated within minutes at no extra charge.
Which states is this program available in?
This program is available in all 50 states and Washington, D.C.
Need help placing an account? Connect with a market specialist.