Event liability insurance includes several different standard coverages. It’s recommended, and sometimes mandatory, for hosting an event. Event insurance provides liability coverage if a claim is made against you for bodily injury or property damage during the event. 

There are also additional coverage options, such as host liquor liability (remember you have to buy a liquor permit before you can purchase this coverage), event cancellation insurance in case there’s a cancellation and you need to recoup the event costs and medical payment coverage which covers the cost of a bodily injury which occurs at the event. 

Ask one of our Sharp brokers about what is covered in your insurance policy so there’s no surprises if you ever have to make a claim. 

It depends. Discuss your situation with your provider if you plan to host events outside of Canada. Some providers may extend coverage to events being hosted out of the country, but coverage will likely be limited.  

Yes! If you plan to have a meeting in your backyard or in a private space in Alberta, discuss getting event liability insurance. Event liability insurance may cover damages to the venue and injury claims. If liquor is being served by either you or a hired vendor, you may need to add host liquor liability insurance coverage.  

Whether you are hosting an annual conference or a single event, an event liability insurance policy is a must-have. But what will my premium be? The cost of event insurance in Alberta depends on: 

• The type of event you’re hosting. Different risks are presented with different kinds of events, from speaking engagements to sporting events. 
• How many people attend the event. The more guests, the greater the risk.  
• Specific details —like date, location and length of the event. 
• If alcohol is being served. Alcohol liquor liability coverage must be purchased.  
• Liability limits. Most venues will request a minimum dollar amount in liability insurance for your event. 

For a more accurate assessment of the cost of event insurance in Alberta, get a quote with Sharp insurance today. 

You should buy wedding insurance in Alberta as soon as you have set a date for the big day. While you can technically buy insurance just before your actual wedding date, having wedding insurance in advance gives you a better idea of what coverage you need, and it gives you peace of mind knowing that the insurance part has been taken care of. 

While it’s not fun to think about it, accidents and other mishaps can happen at any event. You could run into issues with rowdy guests, damaged property and injuries. It’s better to avoid future mishaps by simply purchasing event insurance pre-emptively to protect your bottom line.  

There are a variety of different event types covered by event liability insurance in Alberta. Insurable events include weddings, office parties, shows, festivals, recitals, fundraising events, sporting events, conferences and more. 

Your minimum deductible will depend on your insurance provider. You can likely increase your deductible based on your willingness to pay out-of-pocket in the event of an insured claim. Note that some coverage options may be subject to a separate deductible, like host liquor liability.