Yeah, a tax stamp is usually more than $20 for the year.. So there goes that.. Sometimes locations will cover the game for insurance, but that needs to be in the contract. Just found this:
Insurance on equipment and general liability is very complicated. As with most vending routes you operate on a revenue share basis. The equipment is at their location, under their control and operates under a lease agreement. There are a few things you can do to "HELP" curb the cost of vandalism and of accidental injuries (or drunk injuries).
1. Be named on the location owner/proprietor's insurance as an additional insured. This helps cover you on general liability issues (ie. the examples from before).
2. TRY and make sure that the location has Personal Property of Others insurance. This is usually covered on their policy up to a certain amount of money. This will cover your equipment (or part of it) should it be destroyed, stolen, damaged or whatever. Although, this requires the owner to make a claim, and lets be honest, some owners are just plain assholes.
3. You can add an umbrella policy to your own insurance and should be able to list certain locations that may have a lot of your equipment.
Insurance is COMPLICATED. Try and find an independent agent that has worked with others in your industry or someone that may understand what exactly you do.... Don't expect the search to be easy.
Here are some contracts:
http://www.cityofboise.org/city_clerk/100609/r-285-09.pdf
http://www.excelservicesinc.com/Agreenocomm.pdf
http://www.vendline.com/contract.jsp
http://www.vendorsnc.com/contract.htm
A release you might pull from:
http://www.andrettithrillpark.com/graphics/Liability.pdf
Google is your friend.. "Vending location Contract"