Whether you’re planning your wedding, organizing your annual corporate conference, or starting an event venue rental business, it’s important to have the proper protection in place. There are a variety of incidents that can happen at special events that can lead to financial losses or legal action. From injuries to property damage to natural disasters, event insurance is a must-have in order to have peace of mind for the big day.
Here at KASE Insurance, we can help you get the customized event insurance in Toronto that you need so that you are prepared for whatever comes your way.
Event insurance is there to protect you against a wide range of liabilities associated with special events where you might be held financially or legally responsible.
The event insurance you need should address the specific requirements of your event—and a good insurance provider should be able to give you just that. After all, events come in all shapes and sizes, from single-day weddings receptions to elaborate multi-day festivals. Each event type therefore has its specific set of risks that your event insurance policy should be prepared to cover.
We understand that time is of the essence when getting the insurance coverage that you need. Get the best, tailor-fit special event insurance straight away by heading over to our application page. From this point onwards, you’ll experience the quick, seamless, and hassle-free service that KASE Insurance is known for.
In both private and corporate events, there’s always a risk of financial loss due to property damage, bodily injury, and event cancellation. In addition to potentially facing costly fees to repair any damaged property/equipment or to cover an individual’s medical expenses, you can also potentially face a lawsuit should the damage be too great—especially if you are a business hosting an event.
In a highly litigious society where anything can happen, it is best to always be prepared. This is why event insurance is important.
Event insurance is never a one-size-fits-all policy. This is because there are so many kinds of events—and each of them carry their own set of risks. Some events can last longer, have more people, and have more activities that make it vulnerable to risks.
At this point, it is important to mention that some inherently hazardous elements are typically written as exclusions in a standard event insurance policy. This include:
If you have any of these activities/performances or similar elements included in your event, they may not be covered. You need to mention these so that you can be presented with possible options for additional coverage. A standard event insurance policy is the bare minimum you will need if you are planning an event. It includes the following coverages:
Liability coverage protects you if your staff or guests inflict property damage or an injury to someone (staff or guests) within the course of the event. The property damage coverage can also extend to rented equipment within the venue – however, if the equipment is from outside the venue, you would need rental coverage for those.
Cancellation coverage will help reimburse you for lost deposits and other fees (up to you coverage limit) in the event that something unexpected forces you to delay or cancel the event altogether.
If you are serving liquor and directly employing bartenders for the event, you may need to look into adding liquor liability coverage. This protects you from injuries and even car accidents caused by your guests that you may be liable for. Similar to restaurants, events can be held liable for these aforementioned instances if they are proven to have irresponsibly served large amounts of alcohol to one guest, have served a guest who was already visibly intoxicated, and permitted a guest to leave and drive when visibly intoxicated.
This coverage will protect you against damage to items that are rented for your event. As we’ve mentioned earlier, event liability coverage will not cover you for equipment that is rented from a third party. So if you’ll be renting a lot of equipment or pricey equipment from an outside source, then it would be a good idea to have this coverage.
If you are hiring vehicles for your event, then you might need this insurance coverage. This protects you from risks of auto-related injuries and property damage.
No matter how thorough the planning is for an event, there’s always a possibility that something will go wrong. This is why even the most seemingly benign events would benefit greatly from having special event insurance.
Here are some example events that you can insure to minimize legal and financial risks:
Kase Insurance is one of the top providers of special event insurance in Toronto and the rest of Canada. Our approach is always customer-centric. Together, we can put together the best, customized insurance policy that will protect you or your business from the risks involved in the special events that you are planning.
So whether you are an individual, an event planner, or even a venue owner, we’ve got you covered. We have years of experience and a wealth of industry recognition to assure you that you are in good hands.
Peace of mind for your special event is only a few clicks away. Apply for event insurance today!
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