Special Event Insurance
Make sure you’re covered for your next event.
Special events are not typically covered under a business liability policy. Our experienced insurance advisors can provide coverage including event liability insurance and host liquor liability coverage for many different types of events.
Your guide to special event insurance.
Venues often require event organizers to provide proof of liability coverage for their events. If you are a business owner or event organizer, you could be held liable for an incident that occurs at or because of your event. Without proper insurance, you could be responsible for covering the costs associated with event cancellations, property damage or liability claims.
Special event insurance can provide:
- Protection against financial losses due to unexpected disruptions like cancellations, venue issues or severe weather
- Liability coverage for accidents and property damage
- Host liquor liability if your event serves alcohol
- Coverage for your volunteers to protect them in the event of a lawsuit
Supporting businesses across Canada.
Get your special event insurance by phone or in person at your nearest branch.
Common coverages for seamless events.
Having enough coverage is crucial in case of a total loss to ensure you can rebuild your business back to where it was before. These standard coverages give you peace of mind when it comes to keeping your business property safe.
Event Liability Coverage
This covers claims of negligence causing property damage or bodily injury against the event host. For example, a guest slips and falls or causes damage to the venue.
Host Liquor Liability Coverage
This covers property damage or bodily injury claims arising out of the serving or distribution of alcoholic beverages.
Event Cancellation
If you’re forced to cancel the event due to an insured and unforeseen circumstance, this coverage helps you recoup non-refundable costs.
Property Extension
This provides protection for property you own, rent or that you’re using such as equipment, furniture and decorations.
Why choose Acera Insurance for special event coverage?
Planning and running your event requires a lot of your time and effort. We’re here to provide coverage to support you along the way.
Event Insurance Expertise
Our advisors are experienced insurance brokers who understand special event coverage and will work with you to determine your needs.
Risk Management
Acera Insurance doesn’t just help you get insurance coverage, we help you protect your assets with risk management advice.
Customer Service
We pride ourselves on our exceptional customer service to help make sure your special event is a success.
Helpful tips from our advisors.
Our experienced advisors are here during the planning stages of your event to help you understand your coverage and ensure you can host your upcoming event with peace of mind.
Answering your most common questions.
Why do businesses need special event insurance?
Events are not typically covered under regular liability insurance policies; they have unique risks. Special event liability insurance is frequently required by the venue you plan to host your event in. This coverage also helps you financially protect yourself should something happen like an event is cancelled due to bad weather or someone trips and falls, injuring themselves, during your event.
Am I covered if I serve alcohol at my event?
If you are planning to serve alcohol at your event, it is very important to obtain a liquor liability extension. This extension will be a critical part of your overall event liability insurance coverage and will ensure that you are fully protected.
What type of events are covered under special event insurance?
Special event insurance can cover many types of events including weddings, holiday parties, sporting events and competitions, celebrations, reunions, banquets, concerts, meetings, parades, fundraisers, golf tournaments, charity events, conferences and more.
When should I get event insurance?
It is recommended that you buy insurance well in advance, ideally at least a few weeks prior to your event. Generally, you’re required to provide a certificate of insurance to your venue a few weeks before the event is held.
