Front Row's President & CEO David Hamilton recently contributed the following guest article to BC Business Magazine, and we wanted to share this here with our community. As many of you are gearing up to plan holiday events and parties, these tips will make sure you're prepared - even if the party gets a little crazy!

Planning this year's holiday office party? Prepare for the unexpected

We’ve all had (or been) that coworker who has a little too much fun and does something they completely regret the day after the annual holiday office party. If you’re on the event planning team for this year’s holiday party, it’s in your best interest to be prepared for every possible scenario as you prepare for office shenanigans.... 

CLICK HERE to read the full article at BC Business Magazine. 

Credit: Kelsey Chance/Unsplash 

5 Tips for Event Planning / Event Insurance

Planning an event? Whether you’re getting ready for a gallery opening, organizing a neighborhood rummage sale, or putting on a craft show, you’ll need to make sure you have the right insurance in place to protect your event and yourself in case of any unforeseen circumstances. Though you probably expect everything to go off without a hitch, the fact is, when it comes to planning an event, things do sometimes go sideways and it’s important to put the necessary precautions in place. Here are several factors to consider, to ensure you have the right coverage for your event:

1. Does the venue you’re renting require insurance? Venues will usually specify the level of coverage you’re required to have if it’s not covered in your rental agreement. If you’re hosting your event in a public space, or on municipal property, you’ll want to make sure you have the necessary permits to demonstrate you have obtained event liability insurance, to the amount required.
2. Will one of your vendors be a no-show? If you’re renting tables, chairs, or a tent for your event, you want to be sure you’re covered in the case of a vendor no-show, or any damage to your rentals.
3. What if you need to cancel the event? Could be weather or illness related, or due to a mix up of some kind; whatever the case, event liability insurance protects you from having to pay all the event-related expenses you’ve incurred.
4. Are you responsible to insure the equipment you have rented? Take time to read the fine print in those rental contracts. You’ll want to be sure you’re covered.
5. Planning to serve wine or cocktails at your event? If you are serving alcohol, try to hire a caterer to serve the drinks. Otherwise, you’ll need to purchase one day liquor liability insurance.

If you still have questions about the level of insurance you’ll need for your one-day event, please get in touch! To get a quote online, in only 3 minutes click here!

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. Garden 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 $130 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 to get started.

 

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Picnic Insurance

birthday party insurance | party insurance | party insurance canada

You’re planning a birthday party. This year, you want to keep things simple with a paired down guest list of 50 people, a simple wine bar, and a few party platters. What could possibly go wrong?

Well, a few things, it turns out. Here are some of the top reasons you might just want to insure your next birthday party:

1. House parties over a certain number aren’t insured by your homeowner policy. So, if anything goes wrong - from food poisoning to one of your tipsy guests tripping on your garden gnome - you could be sued. 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 awarded to your injured guest. Same goes if you’re planning a holiday party!
2. If you’re throwing your birthday party at a local venue, you’ll likely need to purchase insurance, which is required by most venues. Be sure to speak to the venue about the level of coverage you’re required to obtain. And even if you decide on having your birthday party at a local park, there are good reasons to consider purchasing insurance for a picnic party, too.
3. You’re all set to get the party started with your rented sound system, and a few extra tables, chairs and a party tent you’ve brought in to make the bash extra special. Technically, you are responsible for anything that happens to any of your party rentals. So, if your guests get a little wild, blast out the speakers, rip the tent, or break the chairs, good news: birthday party insurance covers the costs of any damages to your rented party equipment.
4. Do your generous friends tend to lavish you with expensive gifts? Well, birthday party insurance covers you here, too, if any of the gifts are stolen. Believe us, party theft happens a lot more often than you’d like to think.

While insurance may not be top of mind when you’re planning a birthday party, there really are countless ways it can save you money, help you avoid hassles with your vendors, and even prevent conflicts with any potentially injured friends or family.

So, when you get down to planning your next big bash, be sure to check out our online adult's birthday party insurance.

 

RELATED BLOG POSTS:

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RELATED LINKS:

Event Insurance 101 & How to Protect Your Events

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Conference & Event Insurance

Concert Insurance

Movie Theatres

Wrap Parties

Holiday Office Party Insurance

Anniversary Parties

Birthday Party Insurance

Kid's Birthday Party Insurance

Bar Mitzvah Insurance

Planning a Garden Show?

Picnic Insurance

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.

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.

 

RELATED LINKS:

Event Insurance 101 & How to Protect Your Events

Venue Insurance in Canada

Event Planning

Wedding Insurance

Renting Churches, Mosques

Planning a Bridal Shower?

Baby Shower Insurance

Event Cancellation

Conference & Event Insurance

Concert Insurance

Movie Theatres

Wrap Parties

Holiday Office Party Insurance

Anniversary Parties

Birthday Party Insurance

Kid's Birthday Party Insurance

Bar Mitzvah Insurance

Planning a Garden Show?

Picnic Insurance