Annual Vendor Insurance:
Find the Right Policy for Your Business
Working or selling at events year-round? Keep coverage simple with affordable annual vendor liability insurance tailored to your business’s unique needs.
- Meets most event requirements
- 24/7 access to your certificate of insurance (COI)
- Customize your coverage with more options
- Flexible monthly payment options
Annual Vendor Insurance, Built For Your Business
Whether you’re an exhibitor, entertainer, food vendor, or creator, events keep your business moving forward. Having year-round proof of vendor insurance means you’re covered from one place to the next.
Choose the annual vendor policy that fits your business, or click “learn more” to explore your options.
Don’t see your business? Contact us to speak with a licensed U.S.-based agent to help you find the right coverage.
Which Annual Vendor Insurance Policy Do I Need?
The annual vendor insurance policy you need depends on:
- What you sell or do at events
- How often you work events throughout the year
- What coverage requirements you need to meet
Businesses who sell products, like artists or food trucks, face different risks than service-based vendors, like DJs or bartenders. Rather than a one-size-fits-all policy, Insurance Canopy’s customized coverage helps you find the right fit for the way you work events.
Choosing Annual vs. Event Vendor Insurance
Need fast proof of insurance for a single event, or for the entire year? Compare our annual plans with one-day vendor insurance options to find what’s best for your event schedule.
- Best for regular event vendors
- Instant proof of insurance for unlimited events
- $2 million in general liability insurance
- Includes product liability insurance
- 365-day coverage
- Add unlimited additional insureds for free or low cost
- Optional theft and damage coverage plus more customized add-ons
- Flexible payment options
- Best for one-day or occasional events
- Instant proof of insurance
- $2 million in general liability insurance
- 1-3, 7, and 90-day plans available
- Free, unlimited additional insureds on most policies
- Optional theft and damage coverage
For more details on single event coverage, see our event vendor insurance FAQs.
How Much Is Annual Vendor Insurance?
Just like choosing the right policy, the cost of annual vendor insurance also varies based on how you work events. How much you pay for coverage may depend on:
- The type of vendor you are
- Your chosen coverages and limits
- The size and location of your business
A yearly policy helps provide the peace of mind that comes with predictable payments and continuous coverage. Choose between affordable monthly payments, or a one-time annual payment helps you save on coverage and stay focused on event prep.
Get a free quote to find out how much annual vendor insurance costs for your business.
Coverage Details
General Liability Limit (Aggregate)
This is the total amount your policy may pay out over your total policy period if someone is hurt or something is damaged because of an accident at your booth or exhibiting location.
$2,000,000
General Liability Limit (Per Claim)
This is the total amount your policy may pay for each individual claim where someone is injured or something is damaged due to your vendor booth or exhibiting location.
$1,000,000
Damage to Premises Rented to You
If you rent a space and accidentally damage it or what’s inside, this is the total amount your policy may pay. For the first seven (7) days of your policy, you’re covered for all kinds of damage. After that, it only covers fire-related damage.
$300,000
Optional Coverages
Theft and Damage Coverage (Per Claim/Aggregate)
$2,000 / $2,000
Theft and Damage Coverage Deductible
$ 250
1 - 3 Days
$49
7 Days
$99
Up to 90 Days
$149
Theft and Damage Coverage
+$54
General Liability Limit (Aggregate)
This is the total amount your policy may pay out over your total policy period if someone is hurt or something is damaged because of an accident at your vendor booth or exhibiting location.
$2,000,000
General Liability Limit (Per Claim)
This is the total amount your policy may pay for each individual claim where someone is injured or something is damaged due to your booth or exhibiting location.
$1,000,000
Products & Completed Operations Aggregate
This is the total amount your policy may pay out over your total policy period if someone is hurt or something is damaged because of the goods or products you sell, even after you’ve handed them off.
$2,000,000
Damage to Premises Rented to You
If you rent a space and accidentally damage it or what’s inside, this is the total amount your policy may pay. For the first seven (7) days of your policy, you’re covered for all kinds of damage. After that, it only covers fire-related damage.
$300,000
Medical Expense Limit
If someone gets hurt because of your business, this helps cover their medical bills, no matter who was at fault.
$5,000
Personal & Advertising Injury
This is the total amount your policy may pay out over your total policy period, where someone says you hurt their reputation or violated their rights (i.e., libel, slander, advertising mistakes)
$1,000,000
Optional Coverages**
Theft and Damage Coverage (Per Occurrence/Aggregate)
$5,000 / $10,000
Theft and Damage Coverage Deductible
$250
**Additional optional coverages may be available on specific annual business insurance policies.
FAQs About Annual Vendor Insurance
Why Isn’t There One Annual Vendor Insurance Policy for Everyone?
There is no universal annual vendor insurance policy because vendors need coverage based on the products they sell, the services they provide, and the types of events they attend. Product vendors selling at fairs or festivals can face different risks and requirements than service-based vendors working at weddings and special events.
What’s the Difference Between Annual and Event Vendor Insurance?
Annual vendor insurance covers your business for unlimited events over a 12-month period, so you do not need to buy a new policy for each event. Event vendor insurance covers your business for a specific event and provides proof of coverage only for that event.
Can I Add Additional Insureds to an Annual Vendor Policy?
Yes, you can add unlimited additional insureds to any annual vendor policy during checkout or later through your online dashboard. Additional insureds are free to add with most vendor policies, though some annual business policies can cost up to $15 per additional insured.