Trade Show Installation and Dismantling Service Insurance

Your Guide to Trade Show Installation and Dismantling Service Insurance

Protection for your business before and after an event

Tradeshow set up. Find trade show installation and dismantling service insurance.

If you're in the business of trade show installation and dismantling you need business insurance that protects you from risks associated with handling materials and other people's property. Accidents, mistakes, or unforeseen events can lead to lawsuits or expensive property damage.

You also have to worry about your own company property, assets, and employees. An independent insurance agent can help you find trade show installation and dismantling insurance that covers all your needs.

Why Do You Need Trade Show Installation and Dismantling Service Insurance?

Any time you set up and tear down a trade show, customers have entrusted you with their personal property. Should something happen to their property while under your care, you'd be financially responsible. 

In addition, if your business has an office building and employees, you're liable for employee safety and any potential damage that could happen to your office and equipment. For these reasons, trade show installation and dismantling services face the following risks:

  • An employee getting injured while installing or dismantling materials
  • An employee injuring someone else or their property 
  • Extreme weather such as fire or storm causing damage to your property or inventory
  • Theft or crime committed by an employee 
  • A professional mistake
  • A business interruption that temporary ceases operations

Whatever the risks your trade show installation and dismantling company faces, there is a variety of insurance coverages that provide protection.

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What Trade Show Installation and Dismantling Insurance Policies Do You Need?  

When it comes to business insurance, there are traditional coverages that every business can benefit from, and then there are unique policies catered to specific businesses. 

For trade show installation and dismantling services, the following policies are recommended.

  • Commercial general liability (CGL) insurance: Pays for any costs associated with liability claims related to third-party injury, property damage, and other accidents.
  • Commercial property insurance: Pays for damage from fire, wind, vandalism, theft, smoke and other property damage. Commercial property insurance will cover buildings, inventory, materials, office equipment, tools and other necessary business property.
  • Business interruption insurance: Pays bills such as salaries and monthly expenses if you have to temporarily close your doors due to a covered event such as vandalism or fire. Business interruption will cover necessary expenses while you make repairs. 
  • Business owners policy: Combines property, liability, and business interruption coverage in one affordable policy. BOPs are available for small to medium-sized businesses that typically bring in less than $5 million a year in revenue. 
  • Installation floater: This is a type of property insurance that covers property that is being installed. The floater provides protection until the installation is complete. 
  • Professional liability insurance: A mistake installing someone's trade show materials can result in lost income for the client. Professional liability insurance covers any financial loss due to professional errors. 
  • Commercial auto insurance: Pays for property damage and liability claims related to company vehicles. 

What Is Third-Party Employment Practices Insurance?

If an employee is working a trade show and gets into an encounter with a third-party attendee or passerby, there's a chance that the individual could claim wrongful conduct by your employee. This could result in a discrimination or wrongful conduct lawsuit.

Third-party employment practices insurance is coverage that helps pay for any of the fees associated with this type of claim. Since trade show installation and dismantling service employees spend a lot of time interacting with non-company individuals, third-party employment practices insurance can be a valuable addition to your insurance package.

Why Do Trade Show Installation and Dismantling Services Need Workers' Compensation?

Besides the fact that it's required in nearly every state, workers’ compensation insurance is the only way to protect yourself if an employee is injured or falls ill while working to set up or take down a trade show. 

If an employee gets injured or becomes sick, workers' compensation pays for medical bills, salaries, and other fees until the employee is able to come back to work. It can even pay for lost income as a result of the temporary loss of employment by an employee.

How Much Does Trade Show Installation and Dismantling Services Insurance Cost?

Insurance companies consider a variety of factors when determining insurance costs. Every business is different, but common things that carriers are looking at include:

  • Types of insurance policies
  • Amount of coverage
  • Deductible
  • Location and size of business
  • Local crime rates
  • Potential weather hazards
  • Number of employees

The riskier your business is, the more expensive your insurance premiums will be. For trade show installers who work on high-risk job sites, you may pay higher rates than a company that does smaller, less risky installations.

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Benefits of an Independent Insurance Agent

Insurance agents are familiar with trade show installation and dismantling services and similar businesses. They can help you navigate the variety of available policies and provide knowledgeable insight on what coverages your business could benefit from.

Agents also create customized insurance packages. They work with you one-on-one to learn about your business and your needs. They're even there should you need to file a claim. They can help you through the process and working with your insurance company.

Find and Compare Quotes for Trade Show Installation and Dismantling Service Insurance

Skip the hassle of getting an online quote and work with an independent insurance agent today. Talk to an agent, free of charge, and receive multiple quotes to choose from.

Work with your agent to make the best choice in insurance coverage for your business. 

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TrustedChoice.com Article | Reviewed by Paul Martin

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https://www.iii.org/publications/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/workers-compensation-insurance

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