Event Insurance Ontario

Event Insurance Ontario

Comprehensive, low-cost insurance to cover special events in Canada’s most populous province

Trusted by 100,000+
Canadian small
businesses coast to coast.
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online. Coverage in
just a few clicks.
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24/7 claims support.
Trusted by 100,000+
Canadian small businesses
coast to coast.
Instant price. All online.
Coverage in just a few clicks.
Expert brokers,
working for you.
24/7 claims support.
Get a Free Quote
Zensurance - Ontario Event Insurance Quote
Special-Event-Insurance-Ontario

Quick and Easy Event Liability Insurance in Ontario

Get special event liability insurance quickly and easily through Zensurance.

Planning an event in Ontario? Whether it’s a wedding, corporate gathering, private party, sports competition, or social function – with or without alcohol – ensure comprehensive coverage with our affordable event liability insurance for all types of occasions.

Special event insurance is a short-term insurance policy designed to protect individuals or organizations across Ontario from financial losses related to unexpected incidents, such as third-party bodily injuries and third-party property damages at a specific event. Covering your liabilities for events such as a wedding, corporate gala, festival, or sports tournament is essential. 

It covers unexpected accidents, cancellations, or property damage that can leave you with a hefty bill.

For example, if a guest at a wedding slips and falls and is injured, a customized special event insurance policy from Zensurance may cover the injured person’s medical and rehabilitation expenses and your legal fees if you are sued.

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.

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

  • The location of the event in Ontario
  • 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 across Ontario 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

Without special event insurance, you might face thousands of dollars in unexpected expenses if anything goes wrong. Many 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 event insurance Ontario quote.

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Claims Examples

Coverage

Problem: Guests attending your conference in Ottawa become ill due to foodborne illnesses after consuming food or beverages provided at the event.

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

Coverage

Problem: An employee at a private company party in London becomes intoxicated and drives home afterwards. They get 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 injured by the employee or others as a result of the alcohol served to them.

Coverage

Problem: At a private party in Toronto you’re hosting, your guests accidentally damage furniture belonging to the rented venue owner. The venue owner demands compensation.

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

Frequently asked questions

How can I get a certificate of insurance to prove I’m insured for my event?

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

Does my special event insurance 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 a cancelled event?

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

Why Choose Zensurance?

We help Canadian small business owners save time and money by providing
a convenient and affordable way to buy business insurance online.

Convenience

Purchase your insurance anytime, anywhere, with our easy-to-use online platform.

Cost

Compare rates across leading insurance companies to ensure you get the best price on your premium.

Curation

We use data and analytics to identify the right insurance policies for your business.

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Ready to Start? Let’s Get a Quote!

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

Fill out our online application for a free quote in less than five minutes. 

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 event.

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