Are you renting out your church, mosque or other place of worship?

Posted by David Hamilton on Feb 27, 2019 2:31:44 PM

Are you renting out your church, mosque or other place of worship?

Church worship image

For members of Faith & the Common Good OR National Trust for Canada/Regeneration Works, click here for discounted rates on event insurance. Member of another faith-based association? Click here to purchase event insurance.

Renting out your faith-based venue? Here’s what you need to know about making sure your renters are able to prove to you the insurance protection you deserve.

If you are an administrator of a church, mosque, synagogue or spiritual venue of any kind, chances are you’ve been asked to rent out your venue for special events such as weddings, birthday parties, meetings, yoga classes or workshops.

Renting your venue is a great way to support your organization’s financial needs and goals but it does come with few warnings and precautions. Whether you’re renting out a small meeting room in your facility or the main hall for thousands of guests, having the right insurance protection ensures you are covered for damage or total destruction of your spiritual space.

The most important way to protect your venue is to ensure whoever is renting from you has the right level of insurance. They need to purchase insurance that considers the following:

    1. Your venue’s capacity and the number of people attending.
    2. Type of event. Are you hosting a wedding, a charity fundraiser, a music show or political workshop?
    3. Will the event include outside food sales or concessions involving alcohol. If alcohol is involved, then liquor liability should be purchased.
    4. Key characteristics of your building with respect to rebuilding or repairing damage done by the short term tenant. Have your renter choose a liability limit sufficient to put the facility back into the same shape it was before it was damaged.
    5. Equipment rental coverage. Your renters need to be sure they are covered in case any of the rentals are damaged so that you are not asked to pay for the damage.
    6. Staff safety. Your renter needs to ensure they have full coverage in case anyone gets hurt or injured at their event so that the venue owner is not left paying the medical bills and loss of future earning for the injured person.

Making sure your next renter has the right level of Event Insurance will give you peace of mind that you’re covered in the event that anything goes sideways, which does happen more often than you’d think. We’d love to be your go-to provider. Front Row offers the simplest, most affordable and comprehensive packages available- and you don’t need to meet up in person with us. You can get a quote online in a couple minutes, and a policy is available online in less than 8 minutes - 24/7. Send your next renter our way to our online site to ensure they- and you- are fully covered. If they want to speak in person, we are always happy to pick up the phone.

About the contributor: David Hamilton is CEO+President of Front Row Insurance, one of the world’s largest entertainment insurance brokers. Front Row offers modern online event insurance with no need to talk to a broker. Policies start at $30 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: venue insurance, event insurance

Venue Insurance in Canada

Posted by David McLeish on Aug 30, 2018 10:28:13 AM

Your venue welcomes the world | Venue insurance Canada

Whether it’s an audience of ten thousand or something more intimate, you open your space to the public, and to the people who know how to draw a crowd. This, in turn, exposes you and your venue to certain risks that can be managed with the right kind of venue insurance.

Whether you need stadium insurance or community theatre insurance or amphitheater insurance or auditorium insurance or concert hall insurance or insurance for an outdoor stage, you are responsible for the safety of the public and performers and you could become liable if someone is injured at your venue. You also have to be concerned with potential damage to property, performance cancellations, the care and conduct of your employees… then there’s all the stuff you never could have predicted!

Front Row’s venue insurance program will look at your specific venue, and we’ll tailor coverage to meet your unique needs. We’ll look at things like:

  • Your venue’s capacity
  • The frequency of performances
  • Types of performances hosted
  • Types of concessions sold (any alcohol?)
  • The characteristics of the building where it all happens

When it comes to risk, we’ve got the best seat in the house, and we can help you see your exposures from every angle. That means you can confidently welcome the world’s best, brightest, and craziest–whatever the world throws at you, you’ll be ready!

Get an Event Insurance Quote



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: venue insurance, concert insurance, Theatre Insurance, event insurance, short term venue insurance

Consider Purchasing Baby Shower Insurance: 6 reasons

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

Wedding baby shower

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.

Get a Free Online Quote Now

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.


Wedding Insurance 101: How to Protect Your Wedding Investments

Event Insurance 101: How to Protect Your Events

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

Topics: venue insurance, event insurance, day insurance, short term liability insurance

Earthquakes and Film Production: What to do when the Earth Moves

Posted by David Hamilton on Oct 26, 2012 10:44:00 AM



If you are indoors on a film production set or in a film production office...


  • Drop under heavy furniture such as a table, desk, or any solid furniture.
  • Cover your head and torso to prevent being hit by falling objects.
  • Hold onto the object that you are under so that you remain covered.

If you are outdoors on a film location:

  • Stay outside.
  • Go to an open area away from buildings. The most dangerous place is
    near exterior walls.
  • If you’re in a crowded area, take cover where you won’t be trampled.

If you are in a production or picture vehicle: 

  • Pull over to a safe place where you are not blocking the road.
  • Avoid bridges, overpasses, underpasses, buildings or any structure that could collapse.
  • Stop the vehicle and stay inside.
  • Listen to your car radio for instructions from emergency officials.
  • If power lines are down, do not attempt to get out of the car.

Avoid the following in an earthquake: 

  • Doorways, which can slam shut and cause injuries.
  • Windows, bookcases, tall furniture and light fixtures, which can shatter or lead to other injuries.
  • Elevators: get out as soon as you can.
  • If you’re near a coastline in a high risk area during a strong earthquake, immediately move inland or to higher ground until officials declare the area safe.

Front Row is experienced with insuring productions against earthquakes: ask us how.

Related Posts:

Earthquakes and Film Production: Know the Risks and be Prepared

Earthquakes & Film Production: Prepare an Emergency Kit before the Quake

Topics: Film equipment insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Film Insurance claims, Commercial Production Insurance, Film Production Companies, venue insurance

Why Even YOUR Band Should Carry Liability Insurance

Posted by Monica Cervantes on Dec 12, 2011 2:38:00 PM

Tribute bands and liability insurance

Tribute band performing

There are a number of reasons why a Cover Band or Tribute Band would benefit from purchasing liability insurance, but perhaps the most compelling reason is because without this cover, the very livelihood of the musician/band is at stake in the event that they are sued.  While no one plans on accidents, the chance of such incidents occurring increases at public places and venues where large numbers of people are gathered. When alcohol is consumed, the risk increases even more.

  • Why risk the loss of your assets, both personal and the band’s?
  • Liability policies are a safeguard against mistakes that your band might make in which they would be held liable.

So, what is liability insurance?

This type of insurance is designed to offer protection against third party (the public) bodily injury or property damage as a result of one’s operations or products.

The relevance to cover/tribute bands is that in the event that bands are held responsible for the injuries and property damage sustained by an audience member or staff member at the venue, the liability insurance would potentially pay for the medical treatment required by the injured party, and can cover settlement claims resulting from lawsuits.

Examples of band liability insurance:

An example of a scenario where a band’s liability policy would be of value include if a member of the audience was invited onto the stage while band members were performing and ended up tripping on loose cords and slamming their face into some audio equipment. The coverage afforded under a liability policy would protect the band (policy holder) in the event that they are then sued by any third parties for unintentional damage. A lawsuit can name a band, its manager, an establishment and its landlord in a lawsuit. Liability insurance protection will not shorten criminal sentences, but it will take care of the resulting injuries and rehabilitation and potentially legal costs as well.

While liability insurance should be in place by the owners of the venue where a band will be performing, more frequently the musicians themselves must have liability insurance in place in order to perform at a venue. A band can be sued for its own direct actions; however, other situations where a band and its members could be held liable include: if a piece of equipment drops from the stage and injures an audience member, or if someone were to trip over a microphone cord. In many cases, the owner of a venue requires that performers show proof of their own liability coverage so that their own liability insurance is covered in the event that the performers are negligent.

Cost of band liability insurance:

Pricing is based on revenue and annual premiums start at US/CDN $500 for $1M in coverage. Compare this to the potential costs arising from a lawsuit and the coverage is priceless.

Topics: Entertainment Insurance, venue insurance, concert insurance, band tour insurance, event insurance, performance insurance, wedding insurance