Holiday Office Party Insurance

Posted by David McLeish on Nov 12, 2018 5:33:51 PM

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Planning This Year’s Holiday Office Party? Here’s Why You Need Event Insurance.

We’ve all had (or been...) that coworker who has a little too much fun and does something they fully regret the day after the annual holiday office party. If you’re on the event planning side of this year’s holiday party, you might want to consider special event insurance as you prepare for this year’s office shenanigans. After all, the holidays is about celebrating and relaxing, not worrying about all the unforseens that could go wrong if you don’t have insurance.

What is Special Event Insurance?

Short term event insurance is designed to protect your event - whether it’s a conference, business party, festival or something else (for a full list of covered events click here) from ALL of the possible circumstances that might occur during your event that are beyond your control. This includes potential lawsuits caused by damage to the location you are renting or lawsuits that arise if your guests are injured at the event.

Nobody plans an event with the intent of it going sideways, but any good event planner will tell you that they always have a backup plan in place in case things fall off the wagon. With affordable starting rates and policies that can be purchased online in just five minutes, what better reason do you need to make sure your next event is covered in the case that any accidents happen?

On the fence about whether or not your special event qualifies for insurance? Below are some tips to help you decide:

Location matters – If you’re planning a holiday office party, chances are you won’t be doing it at a park or outdoor venue in the dead of winter. However, if you’re hosting it at a third-party venue or on municipal property, event liability insurance is pretty much always required - especially where alcohol is involved. Think you’re in the clear if your boss is hosting it at her mega-mansion? Think again. You’ll want to double check her homeowner’s policy because parties of a certain size are often not covered - again, especially when alcohol is being served.

Equipment rentals – In the case that you’re renting tables, chairs, sound equipment or anything else you might need to throw the ‘holiday party of the decade’, consider what might happen if your vendor ends up being a no-show. You’ll want to be covered if that’s the case (hello, unpredictable winter weather) or if any damage occurs to the stuff you rent during the event. Accidents happen and sometimes you just can’t tell how much crazy fun your co-workers might have…

First-aid – Speaking of which, it’s all fun and games until somebody gets hurt! Protect yourself against staff injuries or a staff member suing you in the case of a bad injury. Holiday party liability insurance will cover you if you are sued by an employee by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.

Serving it right – Booze and the holidays usually go hand in hand. If you’re planning to serve alcohol at your office party, you’ll need to purchase one day liquor liability insurance. One way to get around this? Hire a caterer who will serve alcohol for you. But even then, make sure you have all your bases covered so that your liability is kept to a minimum.

Regardless of where, when, and how your next holiday party comes together, always keep your guests - or in this case, your staff - top of mind. Their safety is best managed with the proper special event insurance.

About the contributor: David Hamilton is President of Front Row Insurance, one of the world’s largest entertainment insurance brokers. Front Row offers event insurance with no need to talk to a broker. Policies start at $130 and certificates proving insurance coverage for your rented venue are provided immediately at no cost. To get a quote online, in under 5 minutes click here!

Tags: one day event liability, online event insurance, event liability, cheap event insurance, event liability insurance, Special Event Insurance, event insurance, event cancellation insurance, office party insurance

Wrap Party - Event Insurance Policy

Posted by Casey Budden on Nov 5, 2018 12:21:47 PM

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It’s a Trip…a Trap…We Mean, a Wrap!

It seems your lead actor (let’s call him Frankie Awesome) has done it again. You see, Frankie is a terrific actor, but a disastrous human being. He cannot be let loose in polite company without something absolutely terrible happening. Nothing, from the neighborhood cat to your favorite plate glass window, is safe from his catastrophic, and frequent, accidents. It’s no mistake that Frankie’s other nickname is “The Master of Disaster.”

Oh, Frankie. This time, the big klutz managed to wind his legs together and crash headlong into a rented tent. What fun! Now you have a table of horrified actors suddenly very unprepared for the weather, watching in real time as their seafood turns into soup.

  • Cue sound of screeching tires.
  • Cue stylus scratching record.
  • Cue sinking stomach.
  • Not exactly the big, cool sendoff your cast and crew were looking for, was it?

Despite the general horror, Frankie will be okay; he’s an old hand at this kind of scene. But what about your pride, and your pocketbook? Someone’s going to have to pay for those tents…and the dry cleaning.

You carried all the right insurance all the way along, but entertainment package policies don’t cover wrap parties and you didn’t think something would happen. While you can’t stop Frankie Awesome from being awesome, you can prevent the consequences of his awesomeness from costing you money.

Let’s get serious for a moment. If you could provide peace of mind for yourself and your wrap party for around $200, would you do it? Front Row offers an event liability policy which will ensure that if an incident of bodily injury or property damage occurs, you won’t be paying out of pocket. We will, at your request, provide certificates of insurance to your vendors to ensure they’re covered, too. And we can obtain host liquor liability for you if that’s needed (which it will be if you’ll be serving alcohol to your guests yourself). Our Event policy can also be endorsed to cover rented tents and marquees so they’re safe from Frankie.

Without your cast and crew, the film wouldn’t have been made. The wrap party is for them. Make sure it’s a memorable night…for the right reasons. Get a fast & free online quote.

Tags: short term event insurance, event liability, online event insurance, one day event liability, One day special event liability, one day event insurance, cheap event insurance, event liability insurance, event insurance, Special Event Insurance

Planning an event? 5 insurance tips you need to know

Posted by David Hamilton on Oct 12, 2018 3:42:14 PM

Concert dinner picPlanning 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!

 

Tags: one day event liability, short term, online adults birthday party insurance, party insurance, holiday party, party at a local park, short term event insurance

Planning a Garden Show? You need garden event insurance.

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

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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 with no need to talk to a broker. 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.

 

 

Tags: short term liability insurance, event liability, cyber risk, holiday liability insurance, one day event liability, short term venue liability insurance, short term venue insurance

Hosting an Adult Birthday Party: Do You need Insurance?

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

 

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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 Reasons to consider when hosting an Adult Birthday Party:
  1. Does your venue require you to provide evidence of short term event insurance? Read your rental contract before you sign it.
  2. 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.
  3. Have you rented furniture, a sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contracts.
  4. 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.
  5. Do you need protection for the gifts in case they are stolen?
  6. 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. 

Special event liability is available online with no need to talk to an insurance broker. Our cheap event policies start at $130 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.

Get a Free Online Quote Now

If you will be serving alcohol at your Adult 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.

Purchase peace of mind in five minutes with no need to talk to a broker by buying online today.

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. 

Get a Free Online Quote Now

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides adult birthday party insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the adult’s 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.

Tags: Special Event Insurance, single day insurance, day insurance, online short term venue liability insurance, short term venue liability insurance, cheap event insurance, one day event liability, one day event insurance, One day special event liability, online event insurance, birthday party insurance, adult birthday liability insurance, short term liability insurance

Holiday Party Insurance: Do You Need It?

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

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.

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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 one day liability event insurance so the venue owners are not drawn into your lawsuit.

What would I need one day event insurance for?

  • 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 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? It is suggested that you check your rental contract.
  • Are you hosting the holiday party around Christmas at your house? 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 or the 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.
  • 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? Holiday 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.
  • If you are serving alcohol, try to hire a caterer to serve the drinks or purchase one day 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 day insurance.

Front Row Insurance Brokers offers online holiday insurance with no need to talk to a broker. Policies start at $130 and certificates proving 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.

Get a Free Online Quote Now

 

If you will be serving alcohol at your holiday party 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 holiday party and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes with no need to talk to a broker by buying online today.

Get a Free Online Quote Now

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

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.

Tags: day insurance, short term venue liability, venue alcohol liability, online holiday insurance, insurance for a holiday party, event liability, one day event liability, short term venue liability insurance, holiday liability insurance, one day liquor liability insurance, event insurance

Insurance for a Picnic: Is it Necessary?

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

Blog Post-2Hosting 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 barbeque 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 or the sound system or a marquee? Are you responsible to insure the equipment you have rented? 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 free lawyer to defend you and paying the judgement costs awarded to your injured guest.
  • If you are serving alcohol, try to hire a caterer to serve the drinks or purchase one day 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 day insurance.

Get a Free Online Quote Now

Front Row Insurance Brokers offers online picnic insurance with no need to talk to a broker. Policies start at $130 and certificates proving insurance coverage for your location 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 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 with no need to talk to a broker by buying online today.

Get a Free Online Quote Now

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.

Tags: insurance for a picnic, event liability, one day event liability, short term venue liability, short term venue liability insurance, picnic liability insurance, one day liquor liability insurance, day insurance, online picnic insurance, venue alcohol liability

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