I carry my insurance local. It is just a phone call away, or a stop by the office to talk with the pros. Every event we vend wants to have a copy of our insurance policy. I just call the secretary and she sends it off, I have to do nothing. We had an event last year, where the city clerk of the city we were vending kept losing our policy, finally our agent called her himself, and had her stay on the phone while he emailed the policy with her, he then kept her on the phone while answering her questions about the policies date, and compliance with the event requirements.