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Policy Highlights: Colonial General Insurance Agency, Inc. offers a Flea Market Vendor Insurance program designed for agents placing vendors who operate in temporary or mobile retail environments. Whether a client sells from a pushcart, kiosk, table, or temporary booth, this program provides flexible coverage options through a range of admitted and non-admitted markets to fit seasonal and mobile operations. Ideal Accounts and Appetite This program is a fit for independent vendors selling merchandise, crafts, collectibles, or prepared food at flea markets, swap meets, seasonal events, pop-up venues, and similar locations. It addresses common exposures such as customer injuries, property damage, and product-related claims with tailored coverage options designed for short-term and mobile setups. Target accounts include: Mobile vendors operating push carts, food carts, or kiosks Temporary booth operators at flea markets, farmer’s markets, and pop-up events Vendors selling general merchandise, apparel, handmade goods, collectibles, or food items Accounts with high-hazard operations—such as amusement rides, large-scale food processing, fireworks, or heavy manufacturing—typically fall outside the program’s appetite. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $3,000,000 (Occurrence / Aggregate) Liquor Liability available for eligible vendors Additional Insureds included at no extra charge to meet venue or event requirements $5,000 Medical Payments included Excess or Umbrella liability available with limits up to $25,000,000 Property Coverage Options Basic, Broad, or Special form coverage Options for Buildings, Contents, and Business Income Equipment Breakdown and Inland Marine available for mobile equipment and stock-in-transit Replacement Cost or Actual Cash Value valuation Scheduled Property Floater available for mobile equipment, displays, and inventory Underwriting Notes and Minimum Premiums Colonial General places flea market vendor business with a variety of carriers to provide flexible underwriting. Minimum premiums and program availability vary by market and by the risk’s characteristics. Submissions should include a completed application plus a clear description of the vendor’s operations, products sold, frequency and locations of events, and any food-handling practices. Territories and Availability This Flea Market Vendor Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Both admitted and non-admitted market options are accessible depending on the state, carrier, and specific risk profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents with marketplace access and underwriting expertise for niche commercial programs. Their distribution and carrier relationships help place hard-to-bind or non-standard vendor accounts efficiently. The program’s flexibility—additional insureds at no cost, inland marine for mobile stock, and liquor liability options—makes it practical for agents working with seasonal and mobile vendors. Example scenarios that fit well: You might have a client who sells handmade jewelry at weekend markets across multiple states; scheduled floater and inland marine can protect inventory while in transit. A small food-vendor operating a pushcart at farmers' markets may need short-term liability with optional liquor liability for certain events and business income if a covered shutdown occurs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for vendors operating at flea markets, swap meets, farmers' markets, and temporary events—especially those using kiosks, carts, or booths to sell general merchandise, crafts, or food. Is Liquor Liability coverage available?Yes. Liquor Liability is available for eligible vendors when alcohol service or sales are part of the operation and the carrier appetite allows it. Are Additional Insureds included in the policy?Yes. Additional Insured status is included at no extra cost, which helps agents meet venue, promoter, or landlord insurance requirements. Can I access this program in multiple states?Yes. The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY, with both admitted and non-admitted options depending on the specific market and risk. What documents are needed for a submission?Provide a completed application, detailed description of operations, list of products sold, typical event locations and schedules, and any food-handling procedures. Photos of the setup and a schedule of valued property are helpful when requesting inland marine or scheduled floater coverage. Need help placing an account? Connect with a market specialist.

Overview of the Program From Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a Special Events program designed for agents placing short-term liability for one-day to multi-day events. As a wholesale broker, Bailey Special Risks provides access to capacity underwritten by United States Liability Insurance Group and focuses on straightforward, flexible event policies that address common exposures for organizers, venues, and vendors. This program is intended for agents who need a reliable, event-specific liability solution with options for liquor, vendors, volunteers, and rented premises coverage. Ideal Accounts and Appetite This program fits a wide range of events, including: Weddings, private parties and corporate gatherings Street fairs, farmers markets and vendor bazaars Community festivals, parades and charity fundraisers Sporting events, runs/walks and amateur competitions Concerts, live performances and temporary exhibitions Underwriters will consider events with alcohol service, multiple vendors, volunteer staff, and temporary workers. High-hazard operations—such as permanent amusement parks, professional motor sports, large stadiums, or events primarily featuring pyrotechnics or other specialized exposures—are evaluated on a case-by-case basis and may be restricted. Coverage Highlights and Advantages Key features under the Bailey Special Risks Special Events program include: Liability Insurance Optional Host & Commercial Liquor Liability coverage Coverage for volunteers Temporary or leased workers Food & beverage product liability Optional Medical payments coverage Optional coverage for damage to rented premises Limits up to 1M/1M available Optional endorsements and tailored wording help accommodate vendor exposures, certificate holder requirements, and additional insured needs common to event contracts. Underwriting Notes and Submission Requirements To secure a quote quickly, provide: Event name, date(s) and location Estimated attendance and expected crowd profile Whether alcohol will be served (hosted or vendor beer/wine/spirits) A list of vendors, entertainers, and any rented equipment Security arrangements, emergency medical plans, and parking/traffic controls Venue lease or contract terms and any certificate/endorsement language required Loss history for similar events, if available Underwriting may request additional documentation for multi-day events, large attendance counts, or specialized exposures. Territories and Availability The program is available through Bailey Special Risks in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY. Coverage is offered on a non-admitted (surplus lines) basis through United States Liability Insurance Group where applicable; agents should place according to their state licensing and surplus lines requirements. Why Work With Bailey Special Risks, Inc. on Special Events Business Wholesale broker expertise that speeds placement for short-term accounts. Access to a dedicated event liability product with liquor and vendor coverage options. Flexible limits (up to 1M/1M) and common event endorsements to meet venue and sponsor requirements. Responsive underwriting focused on practical controls and loss prevention. Example Client Scenarios Example 1: You have a client organizing an outdoor community festival with multiple food vendors and volunteers. The event needs general liability with vendor product liability and volunteer coverage for a two-day weekend. This program can provide tailored limits and optional medical payments. Example 2: An event planning client will host a ticketed fundraising gala with a hosted bar. You can use the program’s optional Host & Commercial Liquor Liability to address alcohol exposure and provide additional insured coverage required by the venue. Frequently Asked Questions What types of events are a good fit for Bailey Special Risks’ Special Events program?Community festivals, weddings, vendor markets, charity fundraisers, concerts, and other short-term events with typical vendor/food service, volunteers, and temporary staff fit well. Events with specialized high-hazard exposures may require additional review. What submission information is required to get a quote?Provide event name, date(s), location, estimated attendance, alcohol service details, a list of vendors/entertainers, security plans, and any venue contract requirements. Loss history and vendor agreements help underwriters assess risk faster. Is liquor liability available and how is it written?Yes. The program offers optional Host & Commercial Liquor Liability coverage. Coverage availability and terms depend on whether alcohol is hosted by the organizer or sold by vendors; underwriting will consider service controls and licensing. Which states is this program available in and how is it placed?This program is available in the listed states (AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY). Coverage is provided through non-admitted capacity where applicable; place according to your state filing and surplus lines rules. Need help placing an account? Connect with a market specialist.

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