Insurance for BC Special Events, Birthdays and Weddings
Are you organizing a special event soon? Perhaps you’re getting married next month or planning a big 50th-anniversary party for your grandparents. Regardless of the occasion, special event insurance is useful for anyone hosting an event, whether it’s for business or pleasure.
From a business perspective, examples of events that require such an insurance policy include hosting or being a vendor at conferences, trade shows, festivals, sporting events and other gatherings of larger groups at a central location for business purposes. On the leisure side, celebrations such as a wedding, reception, anniversary, baby shower or other private special occasions subject people to a number of liabilities that should be mitigated by means of obtaining a solid Special Event Insurance Policy.
COVID-19 Update: Our online Special Events policies do not offer coverage should your event be cancelled as a result of a COVID-19 outbreak, or as a precaution due to COVID-19. Please contact a local insurance broker for more information.
What is included in a Special Event Insurance Policy?
General liability insurance
This element of a Special Event Insurance Policy provides protection for situations in which a host of an event or a concessionaire must defend themselves against a law-suit or against having to pay damages for bodily injury or property damage to third parties. At events where alcohol is served, the policy should also include a Host Liquor Liability component.
Coverage included in more detail
- Up to $10,000,000 Liability Limits
- Tenants Legal Liability – designed to cover damage the property that you have leased or rented
- Medical Expenses – without accepting negligence the policy will provide medical expenses only to an injured party
- Non-owned Auto – is coverage for a vehicle that is owned by an individual other than the company, but is used on a company’s behalf.
- Volunteers are Additional Insureds – provides protection to the venue and sponsors of the event. Commonly, facilities and venues require that all parties using the site name them as an additional insured on a general liability policy
- Host Liquor Liability
- Property and Crime Coverage are also available
Events that we can provide coverage for
Barbecues, Birthday Parties, Anniversary Parties, Christmas Parties, Reunions, Auctions, Weddings
Baseball, Tournaments, Slo Pitch, Hockey/Camps, Martial Arts, Bonspiels
Dog Shows, Hay Rides, Fashion Shows, Concerts, Art/Craft Festivals, Rodeos, Car Shows, Music Festivals
Trade Shows, Conventions, Food vendors, and more.
Event Cancellation Insurance
Event cancellation coverage is an important element to prevent financial hardship in case of the event’s cancellation. This coverage can also be particularly useful when the event is not entirely canceled as even certain expenditures due to unforeseen circumstances may be covered. These circumstances can include things such as catastrophic weather and other unpredictable circumstances. The coverage may include financial reimbursement to the insured for deposits and other charges paid or contracted to be paid for transport, catering services, accommodation, photographs, flowers or dress hire booked for but not used and other non-refundable cancellation expenses incurred. If you’re not sure whether your Special Events Insurance contains this coverage, do not hesitate to contact us.
Our online product does not have the event cancellation coverage, but if you would like to have the option to be included, please contact us.
Where to buy cheap Special Event Insurance in BC?
We are now pleased to offer Special Event Insurance online, through our website. We have made the buying process so simple, you merely have to answer a few easy questions and you’ll instantly have access to the insurance policy for your event. Not sure what you need? With over 90 insurance offices across BC, we are one of BC’s largest writers of Special Event Insurance. Each of our offices can assist you in finding you the best Special Event Insurance for the lowest possible price. Whether you are getting married soon, planning an anniversary party or attending a convention, we will find you the best coverage for your circumstance.