How to Get Vendor Insurance for One Day

Participating regularly in public events necessitates obtaining vendor insurance, irrespective of whether it is obtained for a single day. The common misconception among vendors, leading to either excessive policy expenses or complete avoidance of insurance, is that insurance can only be purchased on an annual basis.

To ensure that your events for the day are properly covered, it is important to understand the basics of insurance vendors. We will guide you through all the finer details of what an insurance vendor is, starting from the very beginning. It is essential for you to know everything about insurance vendors before you begin your search for one. Neither outcome is ideal – whether you have or don’t have an insurance vendor for your events-day, it is important to understand why insurers have started requiring it.

What is Vendor Insurance?

Insurance coverage for lawsuits and claims resulting from illnesses or foodborne incidents that occur during an event at which you were a vendor, provides protection for your business against damages or injuries that occur during the event, and allows you to make applicable claims against the vendor. Additionally, the insurance addresses the costs of claims and defense up to the limits of your policy.

Let’s say, in this case, if you need to file a claim with your insurance company, your approved insurance vendor would help you replace the expensive speaker that the manager of your business accidentally broke and spilled water on, which put a burden on your business as it incurred the cost of replacing it.

What Vendor Insurance Doesn’t Typically Cover

If you are working as a vendor who specializes in serving alcoholic beverages, you might need to consider specialty insurance. There are very few insurance companies that are willing to cover bartenders who work with alcoholic beverages, as it is generally considered dangerous. If, for instance, you set up booths at trade shows to sell weapons, you will find it difficult to find a vendor insurance policy. Most vendor insurance policies do not cover certain types of vendors, such as those who are part of a larger event but are considered a small part.

More challenging than you anticipate, the day to find an insurance vendor can be. If you are planning to participate as a vendor in a larger event where painters face the task of finding an insurance vendor, do not wait until the last minute to try and find one. These capacities can become limited as the event date approaches.

Why Bother With One-Day Vendor Insurance?

Many sellers regard vendor insurance, even if it’s only a one-day policy for an occasion, as a significant investment. It’s a crucial investment, but you may still be questioning the reason behind it. You’ve likely heard that previously.

This is a dangerous decision for several reasons, but there are a couple of factors that make it tempting to avoid the hassle of buying a vendor insurance policy if you’re only working at an event for a solitary day.

What is the reversed order of the sentences in the input paragraph? In the input paragraph, the sentences are structured in an inverted manner. Most event organizers request a Certificate of Insurance from insurance vendors as proof that they have insurance coverage. Thimble will soon offer on-demand umbrella policies for event managers, but there is no guarantee that every organizer will take advantage of this offering. Many event managers require all participating vendors to have insurance coverage, but they themselves have to pay a few vendors for it.

It is important to select Thimble as an add-on vendor for your General Liability insurance policy, as it ensures better coverage that matches your needs and covers any claims you may file. This is because Thimble provides vendor-specific insurance coverage, which is more comprehensive and may not be an exact match for the specific risks that may arise when participating as a vendor in an event.

Opportunities That Often Require Vendor Insurance

Setting up as a vendor at a broader event is a surefire way to gain exposure to new markets. Being a vendor at an event means that you could require a policy insurance vendor that you could afford, and here are a few examples of opportunities that this business exposure could afford you. By being a vendor, you could exponentially increase your business and see new eyes on your brand through word of mouth. Instead of solely relying on paying for publicity or generating it, you can set up shop at a widely publicized event, which means that you could gather without having to solely pay for publicity.

Trade Shows

Trade shows are a proven and effective way for haircare companies to attract local professionals and gain industry contacts and customers. If you’re starting a haircare company and want to start selling to local salons and their clients, participating in trade shows is a valuable opportunity. These shows offer B2B contacts and can provide access to insurance vendors who can ensure that you’re protected from injuries and claims. Additionally, trade shows offer a platform for you to showcase the worth and value of your products, making it a must-attend event for any haircare business.


Conferences, such as trade shows, often require insurance policies for the entire duration of the event, whether it be a long week or just a single day. Without having to pay for advertising, you can publicize your business to industry professionals who attend these conferences. Another valuable way to gain industry-specific exposure is by participating as a vendor.


Festivals also offer tremendous opportunities for vending, although they may not be industry-specific like conferences or trade shows. Festivals are a wonderful way to get your product in front of consumers without overtly advertising. Whether you’re slinging hot dogs or selling fine art, festivalgoers are more likely to be interested in your offerings than your average window shopper.

Insurance vendor coverage helps protect your business against any claims that may arise from managers or customers of your business, which may occur during a festival such as Tulip Festival or a music festival. This type of festival is typically known for its free-flowing and nature, which exposes your business to a wider audience and potential risks. Therefore, having insurance coverage is necessary for your business.


Numerous determined customers explore the array of offerings presented by antique and vintage curators, allowing them to discover hidden treasures in flea markets. Central locations serve as delightful alternatives to traditional storefronts, offering a variety of options such as farmers’ markets and flea markets.

If you are running your own farm in a rural area and want to be able to reach bustling cities with hungry customers, the easiest way to do so is by setting up a table or booth at farmers’ markets. Additionally, you may require insurance from a vendor who can protect your business against claims that could be filed against it.


Pop-ups can also function as eateries–a rising chef may utilize a kitchen and a dining area from a different restaurant on the day that the hosting restaurant is not operating. Pop-ups, also referred to as flash retail or temporary retail, are instances where small enterprises pay to establish a physical shop in a heavily frequented location for a brief period. Is this a recently emerged trend primarily focused on vendors that is rapidly gaining popularity in the small business sector?

If your business is internet-based, pop-ups can be a valuable way to test out a service or product without fully committing to a traditional retail storefront. You can try out a pop-up shop, which is a low-commitment way to see if offline purchases still happen, and if you want to seize 92% of the portion of purchases that occur offline, without fully committing to signing a lease or investing in real estate.

Before arranging your pop-up, your business may need to have a vendor insurance policy in place for the host, who will be hosting your spread. Make sure to clarify the specific insurance requirements that a pop-up host may expect from your business and ensure all the particulars are sorted out.

How to Get Vendor Insurance for One Day

This is actually the easy part. Let’s discuss the process of accessing short-term insurance vendors for one-off events, like the ones highlighted above. Now, you are familiar with all the reasons why you might need short-term insurance for a year or even just a day.

With Thimble’s app, you can easily obtain vendor insurance for a single day for the affordable price of just $10. Our Events and Entertainment insurance policies offer a vendor add-on that makes acquiring vendor insurance for one day incredibly simple.

insurance coverage

Markel-rated A Company Insurance still offers top-tier underwritten coverage, but what sets their insurance policies apart is their remarkable affordability and customizability. These insurance policies, provided by a reputable vendor, come with deductibles as low as $0 and coverage limits of $1 or $2 million. In fact, you can purchase insurance from Thimble’s vendor for as little as $5 per hour.

Vendor Insurance for One Day: the Bottom Line

It could be worth investing in an insurance policy on a monthly basis, rather than getting insurance day-by-day from a vendor. If you regularly participate in larger events like pop-ups, conferences, farmers’ markets, or trade shows, it is important to do the math and make sure that the overall cost of short-term coverage versus longer-term plans is justified. Now, there is a possibility for you to customize your coverage for events you participate in intermittently, allowing you to tailor the insurance to your business for a specific day.