Parties, weddings, charity auctions, weekend markets and fairs, and concerts are just some of the most exciting social events and seasonal local attractions in Nova Scotia and New Brunswick. Whether an event is public or private, organizers spend months planning, scouting locations, and working with vendors to ensure success. A high turnout, memorable time, and sizable return of investment are just some of the indicators of a successful event. So how do you make this happen?

There’s nothing that says “the party’s over” faster than an accident, equipment malfunction, venue damage, or any other incident that causes harm or threatens the safety of your guests. As the event organizer or sponsor, you are responsible for their well-being — and anything that happens to them. You also need to take note of the condition of the venue and equipment rentals to protect them from property damage.

What Is Special Event Liability Insurance?

When you organize or sponsor an event, you need to be on top of all preparations, vendor arrangements, and guest relations. Special event liability is a short-term insurance plan you can purchase prior to an event to eliminate the risk of claims and damages. It’s an investment in your reputation as an organizer or sponsor and equips you with the necessary financial cover to handle liability claims.

Special event liability insurance covers the most common unexpected liabilities that arise from hosting an event:

  • Damage to rental equipment, venue, and other property owned by a third party used in the event
  • A guest or vendor is injured at the event or immediately after, such as due to being over-served alcohol

Keep in mind that if you are serving alcohol at your event, you will need a valid liquor license to push through and qualify for special event liability insurance. You can also opt for enhanced coverage to include liquor liability, medical expense coverage, non-owned or rented automobile coverage, and increased liability limits to ensure adequate financial cover for claims, legal fees, and awards or settlements.

Who Needs Special Event Liability Insurance?

Virtually any event would benefit from the protection that a special event liability insurance provides. It doesn’t matter whether your event is just for a day or spans an entire week, as well as if it’s just for family and friends or open to the public.

If you are hosting a wedding, family reunion, conference, music festival, concert, street party, film shoot, sports tournament, weekend market, trade show, or any other event, special liability event insurance protects you from liability claims as a result of property damage or injuries. This specialized insurance coverage protects your investment and preparations and ensures that your ROI and reputation are intact.

Ask Our Brokers

At Archway Insurance, we love the spirit of celebration across Atlantic Canada and recognize their value in boosting our local economy. Whether you’re gearing up for a party or a major trade show, our brokers are here to help protect your efforts and ensure a successful turnout and sizable revenue.

Create lasting memories and build valued partnerships through one-of-a-kind events, with the adequate financial coverage that shields you from the impact of an unfortunate accident that ruins the fun. Trust our brokers to tailor a special event liability insurance to your event requirements.

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