Special Event Insurance

Event Liability Insurance

Get comprehensive event insurance and safeguard your assets from liability risks you face.

Zensurance - Special Event Insurance

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Special Event Host

Quick and easy event liability insurance

Get special event liability insurance quickly and easily through Zensurance.

Regardless of when or where your event is taking place and whether alcohol will or won’t be served, get the low-cost coverage you need for weddings, corporate and private parties, sporting events and other similar occasions.

As the host or organizer of an event or party in an office, a private residence, or a rented venue, you face several liability risks that can threaten your financial wellness. 

Special event liability insurance is designed to cover you for third-party bodily injury or property damage claims that may occur during the event. 

For example, if a guest at a wedding slips and falls and is injured, or if a rented venue’s property is damaged during a corporate gathering, a customized special event insurance policy from Zensurance may cover an injured person’s medical expenses, third-party property damage claims, and your legal fees if you are sued.

An event liability insurance policy may include the following types of coverages:

  • Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, protects you from third-party bodily injury and third-party property damage claims that occur during your event. It is designed to pay for an injured person’s medical expenses or cover the cost of damage to their property while attending your event.
  • Host Liquor Liability Insurance: If alcohol is served at your event and a guest causes harm to themselves, others, or their property as a result of getting intoxicated at your event, host liquor liability insurance may cover the cost of the injuries or damages up to your policy’s coverage limit.
  • Business Tenant’s Liability Insurance: If you are renting a venue such as a banquet hall, recreation centre, or private office space for your event, the owner of that venue will typically require you to have temporary tenant liability insurance to cover the cost of damages or losses they suffer that may result from hosting your party or event in their commercial space. Business tenant liability insurance is a type of general liability coverage for hosts renting or leasing a commercial property. It covers them for the cost of damages to the property they rent or lease.

Insurance providers determine the cost of temporary special event liability insurance by considering several factors about your event, including:

  • The location of the event
  • If the venue where the event is held is a rented or leased commercial property
  • The length of the event (one day or several days)
  • How many attendees will be at the event
  • If alcohol is being served at the event
  • Your experience hosting private or corporate events
  • Your insurance claim history

Special event liability insurance is recommended for individuals or organizations that are hosting events where there is a potential for third-party bodily injury or property damage and where the event venue may require insurance coverage, including:

  • Weddings
  • Parties and celebrations
  • Corporate events
  • Charity and fundraising events
  • Festivals, exhibitions, and fairs
  • Live music or DJ performances
  • Sports tournaments
  • Business conferences and expos

Some event venues may require organizers to provide proof of liability insurance for renting their space. Additionally, sponsors, vendors, or venue owners may request to be named additional insureds on your policy.

Getting insured is quick and easy!

Complete our 5-minute online application for a free special event insurance quote.

Common claims scenarios

guests eating at a conference event

Problem: Guests attending your conference experience foodborne illnesses after consuming food or beverages provided at the event. Many guests suffer food poisoning as a result.

Outcome: Commercial general liability insurance may cover the affected guests’ medical and rehabilitation expenses.

private special event

Problem: An employee at a private company party becomes intoxicated. They drive home afterwards and are involved in a collision with another motorist, damaging their vehicle and injuring the other driver.

Outcome: Host liquor liability insurance may cover your legal defence expenses in a lawsuit from a third party that injured themselves or others as a result of the alcohol served to them at your event.

event venue

Problem: During your private party, furniture belonging to the rented venue owner is damaged by your guests.

Outcome: Event liability insurance may cover repairing or replacing the venue owner’s damaged furniture.

Frequently asked questions

How can I get a certificate of insurance for an event?

After purchasing a special event liability insurance policy from Zensurance, we will email you a certificate of insurance in 24 hours or less.

Does my event insurance policy cover incidents that occur after the event?

No. Once your special event liability insurance policy expires, it will not cover damage or loss claims that occur after the event has ended.

Does special event insurance cover cancellations?

If your event is cancelled or postponed due to unforeseen circumstances such as extreme weather, you may require additional coverage for the financial losses you incur.

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Ready to start? Let’s get a quote!

Get the special event liability insurance you require quickly through Zensurance.

Fill out our online application for a free quote. Our knowledgeable brokers will shop our partner network of over 50 Canadian insurance providers to get the low-cost coverage you require and tailor it to suit your needs.