From holiday markets in Downtown Brea to seasonal craft fairs and pop-up events across north Orange County, the season brings plenty of chances to sell directly to customers. Organizers and venues almost always ask vendors for proof of insurance before the booth goes up.

What Vendors Usually Need to Sort Out

The Certificate Request

Event organizers commonly require a certificate of insurance showing general liability with minimum limits. Many also ask to be named as additional insureds, sometimes along with the venue owner or the city. Read the wording carefully.

Is Your Current Policy Enough?

If you already carry general liability, it may extend to events away from your usual location, depending on how your operations are described and where the event takes place. If you don’t have coverage, or your policy doesn’t fit the event, short-term or special event liability coverage is often available for a single day or a series of events.

Products You Sell

If you sell food, cosmetics, candles, or handmade goods, products liability can matter as much as injuries at your booth. Confirm that your policy includes products and completed operations coverage for what you’re selling.

Your Inventory and Equipment

General liability doesn’t protect your own property. Inventory, displays, and equipment taken to an event may need inland marine or business property coverage that extends off premises.

Getting There

Driving a personal vehicle loaded with business inventory raises commercial use questions. Commercial auto or hired and non-owned auto coverage may be worth reviewing.

Tents and Canopies

Southern California winds can catch an unsecured canopy quickly. Weighting your tent properly helps prevent injuries to customers and damage to neighboring booths.

Before Your First Event

• Request the organizer’s insurance requirements in writing
• Confirm additional insured wording before the deadline
• Check permit requirements with the city and county

Our post on general liability for Brea entrepreneurs covers the basics. PAG Coverage in Brea, CA can help vendors line up general liability insurance and certificates before the season. Policy terms vary. Business owners across Brea, CA can reach out to PAG Coverage anytime.