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Event Liability Insurance in Alberta 

Are you an event host or planning a wedding in the near future? If so, you may require event liability insurance. Event insurance is often purchased to cover an event host’s liability if a patron is injured, a venue is damaged, or a third-party’s property is damaged. Think of it as your fallback if something unexpected happens. You don’t want to find yourself in the hole for thousands of dollars if an accident occurs and you get sued.  

Sharp Insurance offers you the chance to compare several free, no-obligation insurance quotes before you decide on your special event insurance policy. It’s best to have coverage that will give you peace of mind rather than stress about the what ifs.  

Start today with a free event insurance quote in Alberta.

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Why You Need Event Insurance in Alberta 

Whether you’ve decided to host an event at your own property or at a public venue, the last thing you want to think about is an insurance policy to protect your bottom line for the big day. It’s just another task to add to the list, whether you’re looking to host a fundraiser, a reunion or even a wedding —there’s just so much to do already!  

Sharp’s event insurance brokers in Alberta have what it takes to get you the coverage you need. We take care of all the insurance details while you do what you need to do to be the best possible host. As every event planner probably already knows, there’s so much involved with your planned event that anything could happen.

Sharp’s Tips for Your Big Day 

Here are some tips to make your event day stress-free: 

  • Aim to get insurance coverage 2–3 weeks before the day of the event. 
  • Reach out to guests who may have mobility issues or dietary restrictions to assess their needs ahead of time, not on the spot. 
  • Acquire a license if you plan to serve alcohol. Most liquor stores offer this service. 

 

There are plenty of risk scenarios when it comes to hosting an event. You never know what might happen. Some risk scenarios include: 

  • You’re hosting a wedding and rowdy patrons cause damages to your venue. 
  • You’re running a kiosk at an event and a vendor, while lifting heavy merchandise, injures their back and sues you for their medical bills. 
  • While hosting a kid’s party, a parent slips, falls and is injured. 
  • You’re hosting a charity event with liquor involved and some rowdy guests get into a fight. 

In all of the above scenarios, you’d be glad to know you’ve purchased event insurance. In Alberta, events can be hosted for any reason. Be prepared by getting a quick quote with Sharp Insurance. 

Event Liability Insurance FAQs in Alberta

Event insurance is crucial to an event host who may be at risk of a lawsuit due to an accident or other mishap. Sharp Insurance is here to answer all of your questions. Read on for our FAQs. 

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.

Get an Event Insurance Quote in Alberta  

Sharp Insurance partners with the top insurance providers in Canada to find you the best possible deal. Event liability insurance is short term insurance — but that doesn’t mean you can’t find the best coverage at the best price. Many special event venues require private event insurance for protection against property damage, bodily injury or alcohol related incidents. 

One of our experienced brokers will work on your behalf to find you great coverage at an even better price! 

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Currently Not Accepting Walk-Ins

Please be advised that due to unforeseen circumstances, Sharp is unable to assist walk-in clients at the moment.

We are happy to assist you with all your insurance needs over the phone at 1.877.218.2008