BC Business magazine features front row insurance on holiday party event liability

Posted by David McLeish on Nov 27, 2018 9:50:27 AM

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. 

kelsey-chance-575541-unsplash

Credit: Kelsey Chance/Unsplash 

Topics: event insurance, day insurance, short term liability insurance, holiday liability insurance, party insurance

Holiday Office Party Insurance

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

Holiday party

Planning This Year’s Holiday Office Party? 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 unforeseens 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.

Related Post: Holiday party insurance: do you need it?

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!

Topics: event insurance, party insurance

Event Planning Insurance

Posted by Monica Krake on Oct 24, 2018 10:44:51 AM

event planning

Planning an event? 5 insurance tips you need to know

Event Planner Insurance

Planning an event? Whether you’re getting ready for a gallery opening, organizing a neighbourhood 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.

Tips to ensure you have the right coverage for your event:

  1. Does the venue that 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!

Event Planner Insurance Canada — DISCOUNT!

As part of our program for event planners and venue managers, we’re offering an unlimited discount code, saving your clients an additional $50 off our already low rates. No commitment or exclusivity is required. Share the discount with your clients: PLANNER50 (not valid in QC, ON, SK)

 

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

Topics: event insurance, birthday party insurance, art school insurance, party 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 pic

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!

Topics: event insurance, birthday party insurance, holiday liability insurance, party insurance

Birthday Party Insurance

Posted by Monica Krake on Aug 15, 2018 2:35:17 PM

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. Birthday party insuranceDo 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.

Get a Quote Online In 2 Mins.

 

RELATED BLOG POSTS:

Hosting an Adult Birthday Party

Adult birthday party insurance 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

Topics: birthday party insurance, holiday liability insurance, party insurance