Event Insurance Ontario

An event liability insurance policy is not a one-size-fits-all type of coverage. However, most special events insurance policies include the following:

• Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injury and third-party property damage claims that occur during your event. It covers an injured person’s medical expenses or 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, 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 your event. Business tenant liability insurance is a type of general liability coverage for hosts renting or leasing a commercial property to pay for damages to a rented or leased property.

Your policy may need additional coverage. For example, if you hire or rent vehicles to transport people and materials to and from your event or have employees using their cars or trucks for that purpose, you may require hired and non-owned commercial auto insurance. Speak to a Zensurance broker if you have questions about what your customized policy should include.