Planning a Garden Show? You need garden event insurance.

Posted by David McLeish on Aug 20, 2018 2:43:22 PM

Garden show

Planning a Gardening Show? Protect yourself with Event Insurance

Planning an annual flower show, competition, plant sale, or garden tour? You should consider getting Garden Show Special Event Insurance. Gardeners know better than anyone that events can be unpredictable. Disasters strike even the most careful and diligent gardeners. That’s where insurance comes in. Having the right garden show insurance policy protects you from those unforeseeable dangers and gives you peace of mind—not quite the blissful serenity of a well-tended garden, but close enough!

Opening your garden to the public or hosting an event brings its own set of challenges, which is why most rental venues will require you to carry event insurance. Often, this will be stated explicitly in the rental contract, including the liability amounts required. Venues want to be protected in case your guests damage property or someone is injured at your event and tries to sue. If you are renting equipment, like a sound system, tent, or a marquee, you will also want coverage in case that property is damaged.

If your organization is hosting a garden event at a private residence, the homeowner’s policy likely will not provide adequate insurance. Parties of a certain size may be excluded. Your organization will need to have Event Insurance in place in the unlikely event that a guest is injured. That stone walkway or water feature might look lovely, but it could also be a tripping hazard!

One-day garden event insurance is inexpensive and available online. Policies start at $105 CAD (subject to change) and at no additional cost certificates can be provided to your gardening show venue that prove you are protected.

A quote is also free, fast, and available any time of the day or night. Click here.

Hosting an Adult Birthday Party: Do You need Insurance?

Posted by David Hamilton on Jul 30, 2018 3:22:31 PM

Adult birthday party

adult birthday party insurance

It is good planning to consider adult birthday party insurance. No-one wants to think of what might go wrong; however, events do sometimes have to be cancelled or the unexpected happens. You may find yourself being served with a lawsuit from your friends or family for a wide range of different reasons and Front Row event insurance is there to help make sure that you do not lose money – or sleep - as a result.

6 THINGS to consider when hosting an Adult Birthday Party:

Does your venue require you to provide evidence of short-term event insurance? Read your rental contract before you sign it.
Are you hosting the party at home? Check with your home insurance broker to see if you are covered. Parties over a certain size are most likely not covered.
Have you rented furniture, a sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contracts.
Your guests could trip on temporary carpeting or slip on a drink spill on the floor and injure themselves. Adult Birthday Party liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs - up to the limit of the policy - awarded to your injured guest.
Do you need protection for the gifts in case they are stolen?
What happens if your marquee blows away and injures other people in the park? Lawsuits would be covered with Adult Birthday liability insurance.

Most birthday venues will require you to have event insurance in place. Often the venue will tell you in their contract the short term venue liability amount required.

Adult birthday party planning should include online adult's birthday party insurance.

Our cheap event insurance policies start at $105 (pricing subject to change) and certificates for your Adult Birthday venue are free. A one-day event insurance quote is also free: a fast quote is available any time of the day or night in just 3 minutes.

Adults Birthday Party planning should include online.

If you will be serving alcohol at your birthday party, make sure that you request venue alcohol liability – available through our online site. Remember: as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your adult birthday party and harm themselves or someone else. Consider how your guests will be traveling home.

It’s always good planning to have event insurance because you never know when something unexpected may occur. Adult birthday insurance will allow you to fully enjoy the special day.

Holiday Party Insurance: Do You Need It?

Posted by David Hamilton on Jul 30, 2018 11:49:21 AM

Holiday party event insurance

Throwing a party in your office or at your home or maybe you are renting a venue?

Well, you’re going to need one day special event insurance.

Holiday party

WHAT IS EVENT INSURANCE?

Short term event insurance protects you from lawsuits caused by damage to the location you are renting or lawsuits that arise if your guests are injured. Your rented venue is likely going to ask for evidence of liability insurance so the venue owners are not drawn into your lawsuit.

What would I need event insurance for?

Hosting a company party during the holidays is a great time to bond with coworkers. Parties are fun until your staff are injured. What if your employee is forced to sue your company? Will your business office insurance cover a holiday party? Event liability insurance will cover you if you are sued by providing a lawyer to defend you and paying the judgement costs awarded to your injured guest if you are found negligent.
If you are hosting a Canada Day party in a municipal park, or on a municipal beach or on crown land you may need a permit that requires you to show evidence of insurance. Often the permit will specify the liability amount required. Front Row's event insurance can provide limits up to $5,000,000 online.
Your guests may accidentally damage the cabana or barbecue shelter you have rented. Does the owner require you to provide evidence of liability insurance? It is suggested that you check your rental contract.
Are you hosting the holiday party around Christmas at your house? Check with your home insurer to see if you are covered. Parties over a certain size are most likely not covered especially if you serve alcohol.
Have you rented furniture, a sound system or a marquee for your annual summer bash? Are you responsible to insure the equipment you have rented? Take time to read the fine print in those rental contracts. Coverage is available through Front Row's event insurance.
If you are serving alcohol, try to hire a caterer to serve the drinks and purchase host liquor liability insurance.
What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with event insurance.

Front Row Insurance Brokers offers online event insurance. Policies start at $130 and certificates evidencing insurance coverage for your rented venue are provided immediately at no cost.

A quote is also free - a fast quote is available any time of the day or night.

If you will be serving alcohol at your holiday party, make sure that you request host liquor liability coverage. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your holiday party and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes by buying Front Row's event policy online today.

Get a Free Online Quote Now

It’s always good planning to have event insurance because you never know when something unexpected may occur. Online event insurance will allow you to enjoy your special day.

Whether you need one day liability coverage, short term venue coverage or holiday party liability insurance, Front Row’s event insurance has you covered. We can also include host liquor liability insurance when venue alcohol liability coverage is required. Need to prove your insurance coverage? We provide a certificate of insurance when you complete your order, so you can provide this to your venue and/or suppliers.

Related: Holiday office party insurance

Holiday party event insurance landing page

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

Insurance for a Picnic: Is it Necessary?

Posted by David Hamilton on Jul 27, 2018 4:14:04 PM

Picnic event insurance

Hosting a picnic for the day? Do you need event liability?

Consider these risks associated with picnics to help you decide:

If you are hosting the picnic in a municipal park, on a municipal beach or on crown land you may need a permit that requires you to show evidence of one-day event liability. Often the permit will specify the short-term venue liability amount required.
Your guests may accidentally damage the cabana or barbecue shelter you have rented. Does the owner require you to provide evidence of short-term venue liability insurance? Check your rental contract.
Are you hosting the picnic at home in your yard? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered especially if you serve alcohol.
Have you rented furniture, a sound system or a marquee? Are you responsible to insure this rented equipment? Time to read the fine print in those rental contracts.
Hosting a picnic is a great time to bond with family, friends and coworkers. Picnics are fun until your guests are injured. What if your friend or relative is forced to sue you or your company? Will your homeowners insurance cover you? Probably not. Picnic liability insurance will cover you if you are sued by providing a lawyer to defend you and paying judgement costs awarded to your injured guest.

Front Row Insurance offers online picnic insurance; policies start at $105 (subject to change) and certificates proving insurance coverage for your location are provided immediately. A quote is also free: a fast quote is available any time of the day or night.

If you will be serving alcohol at your picnic, make sure that you request venue alcohol liability. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your picnic and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes:

It’s always good planning to have picnic insurance because you never know when something unexpected may occur. Online picnic insurance will allow you to enjoy your special day.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides picnic insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the picnic insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

Movie Theatre Cinema Insurance: Protection for Owners

Posted by David Hamilton on Jul 26, 2018 2:35:01 PM

movie theatre CINEMA insurance

Proper movie theatre insurance allows you to transfer the risks of operating a cinema so you can focus on marketing and growing your business.

Do You Need Movie Theatre Insurance?

Yes: Film house insurance allows you to obtain financing at the bank and it helps you avoid bankruptcy caused by accidents in your theatre. These are some examples of repairs and lawsuits that can happen:

A yoga instructor slips on spilled drink in the dark and blows out a knee and sues for loss of future earnings.
Customer gets sick after ordering at the concession and blames food for lost wages.
Bathrooms are vandalized causing a flood.
Promotional displays are knocked over and the distributor demands payment to replace.
The building burns to the ground or is damaged in an earthquake.
Digital projector breaks down causing business interruption until a repair or replacement occurs.

What Does Movie Theatre Insurance Cover?

A basic movie house insurance policy should include compensation for damage to your building or furnishings, as well as your responsibility any customers that are injured visiting your property.

You likely need protection for:

Commercial theater property coverage: This covers the building and contents, such as: desktops and other office equipment, cash machines, digital projectors, screens, seating, etc.
Business interruption coverage: This protects against lost business income and pays for on-going operating expenses if you need to shut down.
Commercial theatre general liability coverage: This pays for bodily injury and property damage due to your negligence (e.g., a guest falls down the stairs from the balcony and sues because the carpet was not glued down on one of the stairs)

At Front Row we can provide you with:

Liquor liability for venues : This is necessary if you sell alcoholic beverages at your movie theatre. It protects you in instances of bodily injury and property damage that result from selling or serving alcohol.
Short-term Venue Liability Insurance: If you do short term rentals at your theatre, you can direct your tenants to our online short term event insurance and short term venue insurance site where they can purchase special event insurance in 5 minutes and provide you with evidence of one day event insurance so that your theatre is protected.

How Much Does Movie Theatre Insurance Cost?

Depends on your revenue, number of screens, location, construction of your building, age of venue. Contact us for an estimate.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides office movie theatre insurance for the lowest possible cost. Should a claim occur, Front Row ensures that movie theatre insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

Wedding Insurance: What is it?

Posted by David Hamilton on Jul 26, 2018 10:20:34 AM

What is Wedding Insurance?

Special event wedding insurance protects a couple if they are sued as a result of a mishap at their wedding that injures a guest or damages the venue. It also covers lost rings, presents, gowns but does not cover the missing best man.

Why Get Wedding Insurance?

Yikes:

Alex and Robin spend months planning their summer wedding on a relative's farm. On their big day, a forest fire blocked access to the farm. With the right wedding insurance policy, the couple can postpone their wedding and receive the money they lost (less the deductible)—including money for the invitations, wedding cake, food, rented dresses and suits and non-refundable deposits for the band, flowers and other suppliers.
The ring is stolen from the truck of the best man’s car. Special event wedding insurance will pay for a replacement.
Right before walking down the aisle, the marquee tent is buffeted by wind and comes loose from its moorings and injures guests and destroys the buffet. The wedding insurance policy will provide the wedding couple with a lawyer to defend the resulting lawsuits from friends and relatives and the policy will also pay for the judgement amounts and will pay for the food and destroyed catering tables.

How Much Does Wedding Insurance Cost?

A basic one day wedding insurance policy that covers: attire, presents, deposits and venue liability usually costs anywhere between $105 and $350 CAD, depending on the amount of coverage you want. Pricing subject to change.

Do You Really Need Wedding Insurance?

If you cannot afford the costs associated with a lawsuit then it is smart to transfer the risks of your wedding to an insurance policy. The cost of one day event insurance for a wedding is usually 1% or less than the cost of your wedding budget. Often the venue will not allow you access until you prove you have short term venue liability. The venue may also want to see evidence of venue alcohol liability.

When Should You Get Wedding Insurance?

As soon as you start your wedding checklist. Let's say you put a deposit on your wedding venue months in advance of your wedding date and then it is damaged in a windstorm a month before the big day. With online wedding insurance, you'll receive your deposit back.

What Does Wedding Insurance Cover?

Check our online site to learn all the ways you will be protected.

Wedding Insurance Doesn't Cover...

A change of heart.
Unused alcohol
Photos or video or food that was not as good as you were expecting

Cheap event insurance is available for your wedding online with no need to talk to an insurance broker. Get a free wedding insurance quote in 3 minutes.

Are you a Hudson's Bay Rewards Card holder? If so, purchase wedding insurance on this site to earn 2,000 Hudson's Bay Rewards points!

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides wedding insurance for the lowest possible cost. Should a claim occur, Front Row ensures that business rental insurance client receives the money they are owed per the office insurance policy, as quickly as possible.

6 Reasons for Purchasing Kid's Birthday Party Insurance

Posted by David Hamilton on Jul 25, 2018 4:56:45 PM

birthday party insurance | kid's birthday party insurance

Planning a Kid’s Birthday Party? You Should Consider Insuring It.

Hosting a kid’s birthday for your loved one? There are risks associated with kid's birthday parties that you may not have thought of:

Your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of short term event insurance? Yikes. Check your rental contract.
Are you hosting the party at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered.
Have you rented furniture or the sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contracts.
Your guests could trip on temporary carpeting or slip on a drink spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? Will your homeowners insurance cover you? Probably not. Kid’s birthday party liability insurance will cover you if you are sued by providing a lawyer to defend you and paying the judgement costs awarded to your injured guest.
Do you need protection for the gifts in case they are stolen?
What happens if your tent blows away and injures other people in the park? Lawsuits would be covered with kid’s birthday party insurance.

When hosting a kid’s birthday party, most birthday venues will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Kid’s birthday party planning should include online kid’s birthday party insurance.

Special event liability is available online with no need to talk to an insurance broker. Our cheap event policies start at $105 (subject to change) and certificates for your kid’s birthday party venue are free. A one-day event insurance quote is also free: a fast quote is available any time of the day or night in just 3 minutes.

It’s always good planning to have event insurance because you never know when something unexpected may occur. Kid’s birthday insurance will allow you to fully enjoy your special day.

Consider Purchasing Baby Shower Insurance: 6 reasons

Posted by David Hamilton on Jul 25, 2018 10:42:46 AM

Planning a Baby Shower? Consider Purchasing Baby Shower Insurance: 6 reasons

Baby shower insurance will protect you against damage your guests accidentally cause to the venue you have rented. Does your venue require you to provide evidence of venue insurance? Yikes. Check your rental contract.
Are you hosting the party at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered.
Have you rented furniture or the sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contract.
Your guests could trip on temporary carpeting or slip on a drink spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? No doubt. Will your homeowners insurance cover you? Probably not. Baby shower event liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.
Do you need protection for the gifts in case they are stolen?
What happens if your tent blows away and injures other people? Lawsuits from a cartwheeling marquee would be covered with baby shower insurance.

When hosting a baby shower most banquet halls and venues such as a community center or church hall will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Baby shower planning should include online baby shower insurance otherwise known as one day event insurance

Cheap event insurance is available online with no need to talk to a broker. Policies start at $105 CAD (subject to change) and certificates for your baby shower venue are free. A quote is also free: a fast quote is available any time of the day or night.

Are you a Hudson's Bay Rewards Card holder? If so, purchase your baby shower insurance on this site to earn 2,000 Hudson's Bay Rewards points!

If you will be serving alcohol at your baby shower make sure that you request venue alcohol liability – available through our online site. Remember, as a renter you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your baby shower and harm themselves or someone else. Consider how your guests will be traveling home.

It is always good planning to purchase special event insurance for your party for a baby shower to protect against the unexpected.

Anniversary Party: 6 reasons why you should purchase event insurance

Posted by David Hamilton on Jul 25, 2018 10:04:00 AM

ANNIVERSARY party insurance

Risks associated with anniversary parties:

Your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of insurance? Yikes. Check your rental contract.
Are you hosting the party at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely excluded.
Have you rented furniture or a sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contract.
Your guests could trip on temporary carpeting or slip on a wine spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? For sure. Will your homeowners insurance cover you? Probably not. Anniversary event liability insurance will protect you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest if you are found to be liable.
Do you need protection if your guests drive drunk and crash?
What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with anniversary celebration insurance.

anniversary party insurance When hosting an anniversary party, most banquet halls and venues such as golf and country clubs will require you to have event insurance in place. Often, the hall will tell you in their contract the short-term venue liability amount required.

Anniversary party planning should include one-day event insurance.

One-day insurance is inexpensive. Policies start at $105 CAD and certificates for your anniversary venue to prove you are protected are provided at no cost.

If you will be serving alcohol at your anniversary, make sure that you request venue alcohol liability – available through our online site. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your party and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind day insurance in about five minutes:

It’s always good planning to have special event insurance for your party because you never know when something unexpected may occur. Anniversary insurance will allow you to fully enjoy your special day.

Are you a Hudson's Bay Rewards Card holder? If so, purchase your anniversary party insurance on this site to earn 2,000 Hudson's Bay Rewards points!

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides anniversary insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

Wedding Insurance In the News

Posted by Meghan Stickney on Apr 9, 2018 3:21:33 PM

Wedding Insurance Claim Example - Wedding Disaster Example

Wedding insurance has been in the news lately, and there's a good reason for that. As the CBC recently highlighted, it's shockingly easy to get burned by a venue - and that cannot only set your wedding plans back, it can put you in debt...to the tune of $15,000, at least. Check out Ashleigh Post's story below (and there's a nice mention of our CEO David Hamilton in there too!):

http://www.cbc.ca/news/canada/hamilton/hamilton-bride-who-lost-thousands-after-venue-closed-recommends-wedding-insurance-1.4598688

Don't let this kind of story keep you up at night! It takes 5 minutes to buy wedding insurance! And right now, you can use our discount code CANADAWEDDINGS for $50 off. (not valid in QC, ON, SK)

Image by www.cbc.ca

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Topics: event insurance, wedding insurance

Planning a Gardening Show? Protect yourself with Event Insurance

RELATED LINKS:

adult birthday party insurance

6 THINGS to consider when hosting an Adult Birthday Party:

Related Blog Post

Holiday party event insurance

Throwing a party in your office or at your home or maybe you are renting a venue?

WHAT IS EVENT INSURANCE?

What would I need event insurance for?

RELATED LINKS:

Picnic event insurance

Hosting a picnic for the day? Do you need event liability?

RELATED LINKS:

movie theatre CINEMA insurance

Do You Need Movie Theatre Insurance?

What Does Movie Theatre Insurance Cover?

At Front Row we can provide you with:

How Much Does Movie Theatre Insurance Cost?

RELATED LINKS:

What is Wedding Insurance?

Why Get Wedding Insurance?

How Much Does Wedding Insurance Cost?

Do You Really Need Wedding Insurance?

When Should You Get Wedding Insurance?

What Does Wedding Insurance Cover?

Wedding Insurance Doesn't Cover...

RELATED LINKS:

birthday party insurance | kid's birthday party insurance

Planning a Kid’s Birthday Party? You Should Consider Insuring It.

MORE Birthday Party Insurance Posts:

RELATED LINKS:

Planning a Baby Shower? Consider Purchasing Baby Shower Insurance: 6 reasons

RELATED LINKS:

ANNIVERSARY party insurance

Risks associated with anniversary parties:

SEE ALSO:

RELATED LINKS:

Wedding Insurance Claim Example - Wedding Disaster Example

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