Event Safety 101: How Insurance Plays a Crucial Role

Aug 15, 2023

What Happens If My Event Gets Rained Out?

Whether you are planning a small get-together with friends or family or a large concert festival, unexpected events happen. Murphy’s Law states that "Anything that can go wrong will go wrong."  From a last-minute thunderstorm to a slip and fall at your party, to a bride getting cold feet at her wedding. When groups of people get together, rarely does it go off without a problem. Here’s what you can do to protect your meticulously planned event.

What Insurance Coverage Do I Need For Our Event?

There are several types of coverage you should look into, and it all depends on what type of event(s) you are planning and what the risks are.  

Most events have alcohol, and you’ll want to make sure you have Liquor Liability Coverage. Whether you’re hosting at a large venue, public park or small rental hall, you’ll need Liquor Liability Insurance. Most cities, event centres, rental halls, etc. will require a minimum of $2 million in Liability Coverage. This coverage usually includes getting sued for any alcohol-related injuries that happen during, or even after, the event. There is always a cutoff time for the next morning when everyone has sobered up.

Event Cancellation Insurance is essential for any events that are charging admission and could stand to lose out on revenue or incur extra costs to delay the event. What’s often covered is inclement weather, failure of a band or speaker to appear, terrorism, power failure or other catastrophes. If a bride or groom gets cold feet before their vows are spoken, there is even a Wedding Cancellation Insurance you can purchase just in case you’re not 100% sure of your pending nuptials.

Types of Special Events that Require Insurance

There are a wide range of special events that require Liability Insurance. Here is a comprehensive list of events that require Event Liability Insurance.

  • Concerts
  • Festivals
  • Conventions
  • Stag and Doe
  • Private Parties
  • Birthdays
  • Sweet 16
  • Bar Mitzvah
  • Sports Events 
  • Weddings 

It is also imperative to highlight that any event with more than a few people that are legally serving alcohol, with a Liquor Permit from the city, requires Event Liability Insurance.

What Insurance Providers Offer Event Liability Insurance?

In Canada, most Insurance companies do not offer Event Liability Insurance.  You’ll have to find a broker like Begin Insurance who works with Canada’s top Specialty providers such as:

What Type Of Insurance Do I Ask For?

You can refer to this insurance by various names, including Event Liability, Special Event Insurance, Liquor Liability, or simply Party Insurance. A good broker, like Begin, will guide you through the options, helping you select the coverage you need and avoid what you don’t. With competitive quotes from multiple insurers, Begin ensures they compete for your business. When planning your next party, think Begin Insurance! And remember, we don't just protect your events; we also safeguard your everyday life with top-notch auto and home insurance. Trust Begin Insurance to keep your world covered, from your special moments to your everyday living. Get in touch with us today!


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Interested in learning more? Explore our other blog posts for insightful tips on event planning and insurance needs.


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