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  Coverage Definitions  

  Note: This is a general summary of coverages and it is not intended to give complete policy information.  All coverages and exclusions are found in the policies.  
  Coverages referenced on this website may not be available in all territories and may vary depending on the exposure. Minimum premiums may vary by State. Coverages and services described in this website are generally stated for the purpose of promotion. The material does not modify or amend the terms, conditions, or coverages of any policy. Please ask your Supple-Merrill & Driscoll, Inc. representative to explain coverage details, exclusions, limits or other provisions of any insurance policy.  
General Liability
What is covered?

Covers the Trade Show Exhibitor or Concessionaire for losses due to bodily injury or property

damage caused by the insuredís employees or agents.

General Aggregate and Occurrence Differences? The aggregate is the total liability limit for the policy period. The occurrence is the limit per claim.  The UNLIMITED general aggregate means there is no cap on the total policy limit. However, there is a limit of 1,000,000 for each claim (i.e. the policy will cover an unlimited number of separate incidents at a maximum limit of 1,000,000 per each claim).
Are "additional insureds" included? Blanket additional insureds are included and your trade show organizer can be provided with certificates of insurance naming them as additional insured in the event of a loss.
What is a Waiver of Subrogation?

Occasionally, the trade show organizer will request a waiver of subrogation. In the event of loss, 

this prevents your insurance company from recovering any funds from the organizer if the claim

was due to the organizerís negligence.

Is Products Liability Included?

Products liability is included for exhibitors. For concessionaires, products liability is included only 

if you sell the following: Food, beverages, clothing, records, tapes, CDs, posters, badges,

photos, stickers.

Third Party Property Damage
What is covered?

Covers damage to property of others while in the care, custody and control of the insured (i.e.

damage to trade show facility).

Excess Liability
What is covered?

The excess liability provides an additional layer of coverage over the general liability.  

If the venue or facility has capacity for more than 10,000 attendees, the excess coverage is not



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