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Event Insurance 101: How to Protect Your Events

Learn about how to best protect practically any event that you're planning with this FREE eBook, which provides useful information on the insurance considerations for many different types of events, including weddings, conferences, concerts, holiday parties, anniversary parties, birthday parties and more!

** eBook includes coupon codes with discounts on various insurance policies amounting to $165 IN SAVINGS, including an event insurance coupon. Coupons valid in Canada only. **

Planning an Event? Protect It. Get Your Free eBook with Tips:

Table of Contents

• VENUE INSURANCE IN 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!

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Blog Post: VENUE INSURANCE IN CANADA

• EVENT PLANNING INSURANCE

event planning

Planning an event? 5 insurance tips:

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!

Blog Post: EVENT PLANNING INSURANCE

• WEDDING INSURANCE COST: LESS THAN YOU THINK IF YOU BUY ONLINE

Wedding Table

The DJ doesn’t show, the caterer gets sick, the photographer has his gear stolen, the gifts go “missing”….there are a lot of scenarios that could impact your big day: why not transfer these risks to insurance? You protect your car when you are driving buy buying insurance – why not your wedding…. and at a much lower cost.

Insurance for weddings typically costs less than 1% of your overall budget. $200 will usually cover: the rings, gifts, wedding dress and bridesmaid dresses, damage to the venue, guest injury and more.

What if your reception space goes out of business two weeks before your wedding and you lose your deposit? What if you have to cancel or postpone the wedding due to illness? Or the venue catches fire when one of the candelabras is knocked over. These are the types of wedding day financial losses that wedding insurance can help to protect.

Front Row online wedding insurance also provides wedding cancellation insurance and other coverage to cover your investment, with an option to add liability insurance in case your guests slip and fall while dancing or are injured in some other way.

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Blog Post: WEDDING INSURANCE COST: LESS THAN YOU THINK IF YOU BUY ONLINE

• RENTING OUT YOUR CHURCH, MOSQUE OR OTHER PLACE OF WORSHIP?

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.
 Place of worship

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.

Blog Post: RENTING OUT YOUR CHURCH, MOSQUE OR OTHER PLACE OF WORSHIP?

• PLANNING A BRIDAL SHOWER? CONSIDER INSURING IT.

Bridal shower

Hosting a shower for the bride? There are many risks associated with a wedding shower that you may not have thought of:

  • Your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of 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 excluded.
  • Have you rented furniture or a 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 wine spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? For sure. Will your homeowners insurance cover you? Probably not. Bridal shower event liability insurance will protect 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 found to be liable.
  • Do you need protection for the gifts in case they are stolen?
  • What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with bridal insurance.

Blog Post: PLANNING A BRIDAL SHOWER? CONSIDER INSURING IT.

• CONSIDER PURCHASING BABY SHOWER INSURANCE: 6 REASONS

Baby shower

  • 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 in the park? Lawsuits from a cartwheeling marquee would be covered with baby shower insurance.

Blog Post: CONSIDER PURCHASING BABY SHOWER INSURANCE: 6 REASONS

• EVENT CANCELLATION INSURANCE

Event Cancellation Insurance is purchased for one-off events as a protection against loss of revenue OR extra expenses that result from uncontrollable circumstances such as unforeseen weather conditions, power failure, terrorism, cancellation, abandonment, postponement, interruption or relocation of an event.

This type of insurance can also cover public liability, such as a serious injury to one of your patrons, if property is damaged, there is theft of expensive equipment or if you face a claim for actual or alleged bodily injury, and it is found to be your fault.

Why event cancellation insurance is needed:

Event preparation can take years of planning, and with businesses incurring multiple expenses on the lead up to the event, most can not afford the costs associated with postponement, cancellation or relocation of an event. An organization’s physical assets impact the functionality of a business, therefore with risks to the bottom line being substantial, event cancellation insurance is needed to protect against the loss of costs, expenses or revenues associated with this exposure.

Obtain a no obligation Event Cancellation Insurance Quote Here: Event Cancellation

Some examples of situations that would have benefited from having event cancellation include the following: 

  • In July of 2011 a stage collapsed at the Ottawa Bluesfest as the likely result of a strong downdraft of air from a thunderstorm. There were multiple injuries involved with including possible spinal injuries.
  • During the Big Valley Jamboree in the summer of 2009, a powerful windstorm swept through the area causing the main stage to collapse. A total of 33 charges were laid against the three companies involved in this Alberta Stage Collapse. Each of the charges carries a maximum fine of $500,000 and possible jail time. There were more than a dozen injuries and one death.
  • Stage collapse at a Christian rock concert in April of 2008 where an auditorium floor collapsed at a church in Abbotsford, BC. Sound and Lighting scaffolds collapsed onto the front section of the stage and mosh pit with more than 40 injuries.

Blog Post: EVENT CANCELLATION INSURANCE

• CONFERENCE & EVENT INSURANCE: WHAT YOU NEED TO KNOW

event insurance

We all know that person who had a little too much fun and did something they fully regret the day after an event or worse, treated their weekend conference like a trip to Vegas. If you’re on the event planning side of these meetings, you’ll want to understand the type of event insurance required by your venue to protect yourself and your staff against all possible scenarios. Here is your guide to obtaining the right coverage for your next office event or conference:

  1. What exactly is event insurance? Often called Special Event Insurance, or Short Term event insurance, this insurance is designed to protect your event - whether it’s a conference, business party, festival or something else 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.
  2. What are the venue requirements? If you’re hosting your office event or conference at a third-party venue or on municipal property, event liability insurance is pretty much always required - especially where alcohol is involved. Even if your event is hosted at your boss’s mega-mansion, you’ll want to double check the homeowner’s policy because parties of a certain size are often not covered - again, especially when alcohol is being served.
  3. Make sure your rentals are protected In the case that you’re renting tables, chairs, sound equipment or anything else you might need for your event, consider what might happen if your vendor ends up being a no-show or if any of your rentals are damaged. You’ll want to be covered if that’s the case (hello, unpredictable winter weather). Accidents happen and sometimes you just can’t tell how much crazy fun your co-workers might have…
  4. Protect yourself against staff injuries? It’s all fun and games until somebody gets hurt! Protect yourself against guest injuries or a guest or relative suing you in the case of a bad injury. Event insurance will cover you if you are sued by a guest by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.

Blog Post: CONFERENCE & EVENT INSURANCE

• CONCERT INSURANCE

Music concert event insurance

Patrons purchase tickets to a concert for many reasons: to see their favorite act, gather with friends, a night on the town and catch a new talent. The main point is all seek a good, fun time and hearing good music. But unknown to patrons are the many details that go into producing and promoting a successful concert. When planned properly, it shows, but is not seen.

One of those details is safety for both the performers and the audience. Concert Event Insurance to protect against incidents for Liability and Bodily Harm have the potential to come into play more often than one may think.

First, the bad news; The Allman Brothers' unfortunate bus crash. Everyone is OK, thank goodness, but this accident is an example of the long hours artists, bands, production crews and drivers spend on getting everyone to the venue, normally traveling between 350 - 450 miles overnight to set up and perform for their fans. Insurance coverage is a must not only to cover any medical expenses, but also to make sure that property damage to a vehicle can be recovered and/or repaired/replaced in a timely fashion. Without this commitment by performers and their teams, there is no show; thus, disappointed fans.

A second example of an “unseen” detail is crowd barriers for crowd control. These type of barricades are not really thought about by patrons, but they are of utmost importance to artist and patrons alike. Proper crowd control, from security to crowd flow are key to any safe event. Concert insurance can come into play if the barriers fail to pay for injuries so that the act is not financially ruined. Having proper barricades not only enhance patron’s enjoyment, but lowers the risk of someone being harmed or having an accident. It also helps greatly with the expense of a premium by lowering the cost!

Blog Post: CONCERT INSURANCE: THINGS THAT GO UNSEEN AT CONCERTS

• CINEMA INSURANCE

Movie theatre insurance
Proper movie theatre insurance allows you to transfer the risks of operating a cinema so you can focus on marketing and growing your business.

Do You Need Movie Theatre Cinema Insurance?

Yes: Film house insurance allows you to obtain financing at the bank and it helps you avoid bankruptcy caused by accidents in your theater. These are some examples of repairs and lawsuits that can happen:

  • A yoga instructor slips on spilled drink in the dark and blows out a knee and sues for loss of future earnings.
  • Customer gets sick after ordering at the concession and blames food for lost wages.
  • Bathrooms are vandalized causing a flood.
  • Promotional displays are knocked over and the distributor demands payment to replace.
  • The building burns to the ground or is damaged in an earthquake.
  • Digital projector breaks down causing business interruption until a repair or replacement occurs.

What Does Movie Theatre Insurance Cover?

A basic movie house insurance policy should include compensation for damage to your building or furnishings, as well as your responsibility any customers that are injured visiting your property.

Get a Free Online Quote Now

Blog Post: MOVIE THEATRE CINEMA INSURANCE

• WRAP PARTIES

Event Insurance for Wrap Parties

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.

Blog Post: EVENT INSURANCE FOR WRAP PARTIES

• HOLIDAY PARTIES

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.

Holiday party

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

Blog Post: HOLIDAY PARTY INSURANCE

• ANNIVERSARY PARTIES

anniversary party insurance
There are many risks associated with an anniversary party:
  1. Your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of insurance? Yikes. Check your rental contract.
  2. 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 excluded.
  3. Have you rented furniture or a sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contract.
  4. Your guests could trip on temporary carpeting or slip on a wine spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? For sure. Will your homeowners insurance cover you? Probably not. Anniversary event liability insurance will protect 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 found to be liable.
  5. Do you need protection if your guests drive drunk and crash?
  6. What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with Anniversary celebration insurance.

When hosting an anniversary party, most banquet halls and venues such as golf and country clubs 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.

Get a Free Online Quote Now

Blog Post: ANNIVERSARY PARTY: 6 REASONS WHY YOU SHOULD PURCHASE EVENT INSURANCE

• ADULT BIRTHDAY PARTIES

Birthday party insurance

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 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.

Blog Post: ADULT BIRTHDAY PARTY INSURANCE

• KID'S BIRTHDAY PARTIES

Kids birthday pic

Hosting a kid’s birthday party for your loved one? There are many risks associated with  kid's birthday parties that you may not have thought of:

  1. Your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of short term event insurance? Yikes. Check your rental contract.
  2. 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.
  3. Have you rented furniture or the 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. What if your friend or relative is forced to sue you? Awkward? Will your homeowners insurance cover you? Probably not. Kid’s Birthday party 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.
  5. Do you need protection for the gifts in case they are stolen?
  6. What happens if your tent blows away and injures other people in the park? Lawsuits  would be covered with kid’s birthday party insurance.

When hosting a kid’s birthday party, most birthday venues  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.

Blog Post: KID'S BIRTHDAY PARTY INSURANCE

• BAR MITZVAHS

batbar mitzvah
There are many risks associated with a Bar Mitzvah Party that you may not have thought of:
  1. Bar Mitzvah Ceremony: your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of insurance? Yikes. Check your rental contract.
  2. Are you hosting the Bar Mitzvah celebration at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered.
  3. Have you rented furniture or a sound system or a marquee? Are you responsible to insure the Bar Mitzvah speech equipment you have rented? Check your rental contract.
  4. Your guests could trip on temporary carpeting or slip on a wine spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? Oy vey. Will your homeowners insurance cover you? Probably not. Bar Mitzvah 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.
  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 from a cartwheeling marquee would be covered.

When hosting a Bar Mitzvah, most banquet halls and venues such as golf and country clubs 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.

Your Bar Mitzvah planning checklists should include bar mitzvah insurance.

Available online with no need to talk to a broker. Policies start at $130 and certificates for your venue are issued immediately at no additional cost. A quote is also free: a fast quote is available any time of the day or night.

Get a Free Online Quote Now

Blog Post: BAR MITZVAH INSURANCE

• GARDEN SHOWS

Garden show

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!

Blog Post: GARDEN SHOW INSURANCE

• PICNICS

Picnic picture

Hosting 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

Blog Post: PICNIC INSURANCE

FREE eBook:

Event Insurance 101: How to Protect Your Events

Learn about how to best protect practically any event that you're planning with this FREE eBook, which provides useful information on the insurance considerations for many different types of events, including weddings, conferences, concerts, holiday parties, anniversary parties, birthday parties and more!

Planning an Event? Protect It. Get Your Free eBook with Tips: