Birthday Party Insurance USA | Party Liability Insurance United States

Posted by Alyson Locacciato on Oct 20, 2021 7:31:40 AM

Birthday Party Insurance USA | Party Liability Insurance United States

BIRTHDAY PARTY INSURANCE USA | PARTY LIABILITY INSURANCE UNITED STATES

Source: Royalty-free stock photo, shutterstock_1436597573

Think nothing bad can happen at your birthday party? Well, think again… just look at the below real-life examples of unfortunate incidents that have occurred at birthday parties in the US. These parties may or may not have had insurance; let’s hope they did, for their sake!

KEITH MOON’S 21ST BIRTHDAY (1967) | US BIRTHDAY PARTY INSURANCE

Keith Moon, drummer of the rock band The Who had a wild 21st birthday. In 1967, in Flint, MI, the band had a party at the local Holiday Inn. The rock star took to his 21st birthday by causing over $24,000 in damage to the hotel, and drove his Lincoln Continental into the pool.

via GIPHY

What if one of your birthday party guests unexpectedly has a Keith Moon-like reaction to the alcohol served at the party and goes on to cause property damage to the venue? That is what liquor liability insurance coverage is for, which can be added to the event insurance policy.

CHLOE MORETZ 13TH BIRTHDAY PARTY (2011) | BIRTHDAY PARTY INSURANCE CALIFORNIA

Chloe Moretz, the young star of Kick Ass (2010) and Hugo (2011) was given a once-in-a-lifetime opportunity for her 13th birthday. Moretz invited 30 friends to Paramount Studios to view the original reel of Breakfast at Tiffany’s (1961). Unfortunately, this moment was not as exciting to her guests who threw sandwiches all over the floor and smeared mayonnaise over the walls, causing some property damage.

FLORENCE WELCH 26TH BIRTHDAY (2012) | BIRTHDAY PARTY INSURANCE NEW YORK

Singer Florence Welch from Florence and the Machine had a birthday party in New York that involved almost burning down a space her friend had rented to her! After leaving the party, she accidentally left a tealight candle burning that caused $2,400 in damages.

Front Row’s event insurance policy includes up to $2M in general liability, which is designed to protect against all sums up to the coverage limit that the insured shall become legally obligated to pay for bodily injury or property damage arising out of the operations of the insured event.

Front Row’s birthday party event insurance USA:

Of course, we hope nothing bad happens at your birthday party, but as the above examples demonstrate, such incidents cannot always be entirely predicted or prevented. Therefore, it makes sense to purchase event insurance for your birthday. Front Row’s online event insurance in the US can cover:

  • Birthday Parties
  • Anniversary Parties
  • Business Parties
  • Holiday Parties
  • And more

What differentiates Front Row from other US event insurance providers?

Principally, our policy is available for purchase 100% online, 24/7. This is, of course, easier and more convenient than having to call or email an individual insurance agent for arrangement of the policy offline. You’ll get your US event insurance policy faster and with less hassle if you purchase it online from Front Row. Quotes are free.

Event professionals and venues can easily be added as an additional insured to the policy, for free. This maintains the professional aspect of everything and protects everyone involved.

Our online sites are renowned for their speed, efficiency and ease of use. Protect your short-term event now by purchasing online from Front Row:

Get a No-Obligation Quote in 2 Minutes

Note: this program is currently only available to residents of California, New York and Texas.

Are you in Canada? Buy birthday party insurance here.


About: Front Row Insurance Brokers LLC is an independent insurance broker that specializes in the entertainment industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment. Offices in: NY, Nashville, LA, Vancouver, Toronto, Montreal and Halifax.

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DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Topics: Event insurance, Birthday party insurance, Party insurance

BC Business Mag: Front Row Insurance on Holiday Party Event Liability

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

Holiday Office Party Insurance Canada: Buy Online

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. 

Buy holiday office party insurance online (Canada)

Buy holiday office party insurance online (US)

Holiday Office Party Insurance Canada

Credit: Kelsey Chance/Unsplash 

Topics: Event insurance, Day insurance, Holiday liability insurance, Party insurance

Holiday Office Party Insurance | Christmas Party Insurance Canada

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 (Canada) 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 licensed 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 (Canada).

Are you in the US? Event insurance in the US can be arranged quickly through our online program. Only available in California, New York and Texas at this time. Check back soon for more availability.

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

Topics: Event insurance, Party insurance

Event Planning Insurance

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

Event planning Canada and US

Planning an event? 4 insurance tips you need to know

What is event 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.

What does event insurance cost?

Front Row's event insurance policy starts at $105 CAD. Pricing subject to change.

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. 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.
  4. 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 CAD off our already low rates. No commitment or exclusivity is required. Share the discount with your clients: PLANNER50 (not valid in QC, ON, SK, NB)

Are you in the US? Event insurance in the US can be arranged quickly through our online program. Only available in California, New York and Texas at this time. Check back soon for more availability.

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

Conference & Event Insurance

Concert Insurance

Movie Theatres

Wrap Parties

Holiday Office Party Insurance

Anniversary Parties

Birthday Party Insurance

Kid's Birthday Party Insurance

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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 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. 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 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!

Are you in the US? Event insurance in the US can be arranged quickly through our online program. Only available in California, New York and Texas at this time. Check back soon for more availability.

Topics: Event insurance, Birthday party insurance, Holiday liability insurance, Party insurance

Birthday Party Insurance Canada

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 lavish you with expensive gifts? Well, birthday party insurance covers you here, too, if any 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 (Canada).

Get a Quote Online In 2 Mins.

Are you in the US? Birthday party insurance in the US can be arranged quickly through our online program. Only available in California, New York and Texas at this time. Check back soon for more availability.

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

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