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Event Insurance in Alberta & Ontario

If you are an event host looking to plan a huge party a few months down the line, or even just a few weeks, you’ll need to know about event insurance and liability. Event insurance is an insurance package that a host of an upcoming event purchases to protect their liability should a venue be damaged by a rowdy patron; a guest be injured due to a falling light display, or a third-party’s property is damaged consequently due to the hosting of your event. Event insurance, in essence, is like a fallback if something unexpected happens. You wouldn’t want to lose out on tens of thousands of dollars if an accident unexpectedly occurred while you were in the process of hosting.

Sharp Insurance provides you the opportunity to obtain free event insurance quotes. You can then go ahead and purchase special event insurance if you wish, as your upcoming shindig needs it! Nothing matters more than your event going off without a hitch, so let’s make sure you’re in the right position to protect your bottom line if anything should go awry. There’s no time to worry about the what ifs when you’re hosting an event.

Begin today and obtain your own free event insurance quote.

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Why You Need Event Insurance

You could decide to host your special event at your own property or another venue. Really, in the end, it doesn’t matter, you need event insurance.

It’s a pain to have to obtain another insurance policy to protect yourself, extending beyond any average property insurance or business insurance policy, and especially when you already have so much to do.

Sharp Insurance’s special event insurance brokers will tell you that you need this insurance because you never know what could happen. We’ll take care of all the insurance details so you can do what you need to do to be the best possible host.

Sharp’s Tips for Your Upcoming Event

Sharp wants your event to go off without a hitch. To help you, here are some event tips from the Sharp team:

  • Get insurance coverage two or three weeks before the event.
  • If you’re serving alcohol, make sure to get a license. This can be done at most liquor stores.
  • Reach out to any guests who may have mobility issues and assess their needs ahead of time.

Hosting an event is risky. There’s a lot of risk scenarios that you may be faced with when you want to host an event, and you simply never know what could happen. Some risk scenarios include:

  • You host a New Year’s Eve party and one of your guests falls and gets injured.
  • You are hosting a wedding and there is damage to the property or venue.
  • You are hosting a fundraiser and there is liquor involved.
  • You are running a kiosk at an event and a vendor injures their back lifting merchandise.

If you experience any or multiple experiences like the ones we have listed above, you’d be glad to know you have the right event insurance to protect your bottom line! It’s better to be safe than sorry.

Event Liability Insurance in Ontario & Alberta:
FAQs, Tips & More

Getting event insurance is crucial to any potential event host who may be faced with the risk of a lawsuit should there be an incident at one of the events they’re planning to host. Event insurance is not a single type of coverage, but a larger insurance package which contains the tenant coverage and liability insurance (pertaining to both bodily injury and property damage).  

Now, that’s simply just the basics. There is so much more that you need to know about event insurance, and Sharp Insurance’s expert brokers are happy to help answer any and all questions you may have! Read on for our FAQs. 

It all comes down to the actual provider. If you’re looking to host an event outside of Canada, additional coverage and precautions may need to be secured ahead of time. Some providers will agree to extend coverage to events being hosted outside of the country, but that coverage will be limited in how much and what it can cover.  

Event insurance, or special event insurance, can be purchased for a small business that consistently hosts events or it can be purchased as just a one-time insurance policy for a wedding. Regardless, special event insurance is a necessity if you’re the host of a particular event. It doesn’t come free, unfortunately. The cost of event insurance may largely depend on the following: 

  • If alcohol is being served. Alcohol is, unfortunately, a huge liability, such that it presents the need to purchase additional coverage in the form of alcohol liquor liability coverage. This can increase your premium considerably. 
  • Liability limits. Your coverage will be limited to a certain amount it will be able to pay out per claim over the set policy period. The standard limit is $1 million liability insurance for your event, but you can opt to increase that amount if you wish. 
  • Specific details will factor into the cost as they may impact your risk, such as the date, length of the event, and location of the event. 
  • The kind of event that you’re hosting. Evidently, different events will pose different kinds of risks, like sporting events vs speaking engagements. 
  • How many people will be attending the event. The more physical bodies attending your event, the greater the overall risk. 

If you would like a more accurate assessment as to the total cost of your special event insurance, please obtain a free quote with Sharp Insurance today. 

Remember that event insurance — and special event insurance (they’re essentially interchangeable terms) are insurance packages, and not single coverages. They’ll cover a variety of different things, depending on the exact kind of coverage you choose to purchase. It’s recommended that you purchase event insurance and sometimes even mandatory, depending on the venue where you are doing the hosting. Event insurance can offer event liability coverage if a claim is made against you during the hosting of your event. It also protects you if a claim is made against you for damages to the event space. 

You may also request to know about additional coverage options, such as host liquor liability (you will need a liquor permit before purchasing this coverage) or event cancellation insurance, if you need to cancel and recoup the lost costs. There is also medical payments coverage which covers the cost of any bodily injuries that may occur at the place of your event. Chat with your broker about what is specifically covered in your policy so you can be made aware of what you have protection for, and so there are no surprises should you need to make a claim. 

Absolutely you do! Weddings are some of the most popular forms of events that event insurance or event liability insurance is purchased for. Wedding insurance is popular due to the frequency of weddings. Special wedding insurance packages may even be offered by some carriers or designed for events like weddings, covering things like damages to the venue or if any guests end up being injured while attending your special event. If liquor is being served at your wedding or if you hired a vendor, you could potentially add coverage for host liquor liability insurance for a slightly increased premium. 

Anything could happen at an event. It boils down to the kind of event you’re hosting and who’s attending, but the bottom line is that events are often the biggest cause of property damage (think parades, festivals, etc.) and there could be plenty of issues arising such as rowdy guests, injuries and damaged property. Avoid any potential mishaps by purchasing event insurance proactively. 

Get an Event Insurance Quote with Sharp

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 we can’t find you 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 a great price! We’re glad to help you, whether that’s helping you find the insurance coverage you need for your optimal peace of mind or to answer any of your questions regarding your special coverage. 

Did You Know?

There is a difference between event liability insurance and wedding insurance. Event liability insurance protects you from liability issues, like someone getting injured on your wedding day or something you’ve rented getting damaged. Wedding insurance covers money you’ve spent for the wedding day, such as the cost of your photographer or caterer. Often the venue you book for your special event will require you to get event liability insurance so that you’re adequately covered. Sharp Insurance offers event liability insurance, but not wedding insurance.

Be protected – While you celebrate.

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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