25+ Best Special Event Insurance in Canada

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If you are in Canada and organize events like weddings, festivals, and conferences, then you need to get a special event insurance policy. If you’ve organized lots of events, you must have noticed that the most common claims for special event insurance in Canada are property damage, liability, and cancellation.

Some of these occurrences are not expected which is why you have to be always prepared to assure your peace of mind, as well as the well-being of your guests.

We have highlighted over 25 best special event insurance that are available in Canada for you. Meanwhile, let’s start by understanding how special event insurance works.

Table of Contents

What is a Special Event Insurance?

Special event insurance is simply a type of insurance that can help protect you from financial losses if something goes wrong with your event.

Special event insurance is uniquely important for events that are large or complex, such as weddings, corporate events, and festivals. Although, it can be beneficial for any type of event you are organizing, no matter how small.

So, A special event insurance policy is like a safety net for your event. It can help you to offset the financial costs of unexpected events, such as bad weather, vendor no-shows, and accidents.

Here are some examples of when special event insurance can be helpful:

  1. A guest accidentally slips and falls on the dance floor at a corporate event and is injured.
  2. A wedding is canceled due to a severe weather event.
  3. A vendor for a festival suddenly fails to show up, and you have to pay a last-minute fee to find a replacement.
  4. A catering company accidentally serves food that is contaminated, and several guests become ill.

In all of these real live cases, special event insurance can help to offset the financial losses that you, the event organizers would have to bear.

Common Types of Special Event Insurance Available in Canada

The following are some of the most common types of special event insurance in Canada:

  • Event Liability Insurance:

This is the most basic type of special event insurance you can find around, and it covers you from financial liability if someone is injured or property is damaged at your event.

  • Event Cancellation Insurance:

This type of insurance specifically covers you for non-refundable deposits and other expenses if you have to cancel or postpone your event due to unforeseen circumstances.

  • Vendor Insurance:

This type of insurance covers you from financial losses if one of your vendors fails to show up or render their services as planned.

  • Equipment Rental Insurance:

This type of insurance specifically covers you from financial losses if the equipment that you rent for your event is damaged or lost.

  • Liquor Liability Insurance:

This type of insurance covers you from financial liability if someone is injured or property is damaged due to alcohol consumption at your event.

What Does Special Event Insurance Cover?

Special event insurance covers a wide range of things, depending on the specific policy you purchase.

The following are the most common coverages include:

  1. Event liability insurance
  2. Event cancellation insurance
  3. Vendor Insurance
  4. Equipment rental insurance
  5. Liquor liability insurance

In addition to these basic coverages, do you know that many special event insurance policies also offer a variety of optional add-ons? Here are some of them:

6. Coverage for Gifts and attire: This coverage typically protects you from financial losses if gifts or wedding attire are damaged, lost, or stolen.

7. Coverage for Personal Property: This coverage is here to protect your personal property from damage or loss while it is at your event.

8. Event disruption: This coverage reimburses you for lost income or expenses if your event is disrupted due to a covered event, such as a power outage or a natural disaster.

This is why it is really important to review your special event insurance policy carefully to understand the specific coverages that are included and excluded.

How Much is Special Event Insurance?

Some factors affect the cost of special event insurance including:

  • The type of event
  • The size of the event
  • The number of attendees
  • The location of the event
  • The level of coverage you choose, and
  • The insurance company you purchase from.

We had a recent survey with Insureon, and we found out that the average cost of special event insurance in Ontario is “$250-$285”. However, the cost can range from as low as $100 for a small, low-risk event to over $1,000 for a large, complex event with a high number of attendees.

Here are some examples of how much special event insurance might cost you for different types of events:

  • Small wedding (up to 50 guests): $100-$200
  • Medium wedding (50-100 guests): $200-$400
  • Large wedding (100+ guests): $400-$800
  • Corporate event (100-200 attendees): $300-$600
  • Festival (500+ attendees): $1,000+

Please note that these are just estimates, as a recent study by the Canadian Association of Professional Insurance Agents showed that, the average cost of special event insurance in Ontario has recently increased by 5%. The actual cost of special event insurance will also vary depending on your specific circumstances.

We will be highlighting so many specific event insurers in Ontario below, so we’ll go visit them so you can get an accurate quote for special event insurance, as they will be able to assess your needs and provide you with quotes from multiple insurance companies.

How to Choose The Right Special Event Insurance Policy

If you consider these factors below, then you will make a great choice of special event insurance policy in Canada:

  • The type of event you are planning and the risks involved.
  • The size and budget of your event.
  • Your personal risk tolerance, and
  • Compare quotes from multiple insurance companies before you purchase a policy.

25+ Best Special Event Insurance in Canada

The following are the best special event insurance in Canada:

  1. Netsurance
  2. McDougall Insurance
  3. Duuo
  4. Kase Insurance
  5. Mackay Insurance
  6. CHES Special Risk Insurance
  7. FRONT ROW
  8. Ontario Wide Insurance
  9. Shephard Ash More
  10. Merit Insurance
  11. Insure BC
  12. InsuranceStore
  13. Miller Insurance
  14. Insurance Hero
  15. The Reframe Group
  16. CAPRICMW
  17. Way Point
  18. Rate Hub Insurance
  19. PAL Insurance
  20. First Foundation Insurance
  21. Sharp Insurance
  22. Leibel Insurance
  23. Alberta Parks
  24. All Insurance
  25. UALBERTA Insurance

Note!

We just made it easier for you to get the best special event insurance in your location, so to achieve this, we categorized these insurers according to provinces in Canada, including

  • Ontario,
  • Alberta,
  • British Columbia, and
  • Toronto

Let’s start with Ontario!

Best Special Event Insurance in Ontario

The following are the best special event insurance in Ontario:

  • Netsurance
  • McDougall Insurance
  • Duuo
  • Kase Insurance
  • Mackay Insurance
  • CHES Special Risk Insurance
  • FRONT ROW
  • Ontario Wide Insurance
  • InsuranceStore
  • Miller Insurance
  • Insurance Hero
  • The Reframe Group

#1. Netsurance

Netsurance is a known insurer that offers Special event insurance in Ontario and BC. Aside from event liability they also include Liquor Liability, that is, if alcohol is being served at your event. Their plans have some features like:

  • Instant online quotes
  • Electronic policy documents
  • Reliable underwriters
  • Liquor/alcohol liability, and
and others.
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#2. McDougall Insurance

The McDougall Insurance package offers you one of the most affordable special event insurance coverage in Ontario.

Some of the events their plan cover include:

  • Wedding
McDougall Insurance - One of the best special event insurance in Ontario
McDougall Insurance
  • Corporate banquet
  • Party
  • Festival and many others.

Feel free to check them out.

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#3. Duuo

Duuo uniquely provides digital, on-demand access to event liability insurance, which makes it easier than ever to get your special event covered in the case of an unlikely accident.

From experience, you can attest to the fact that most venues will require you to purchase a form of event insurance before allowing you to host an event in their space.

At Duuo, they take pride in making event insurance usage very easy! In their words, “Goodbye broker, service, and insurance advisor fees, cancellation fees, and deductibles.”

Feel free to check them out.

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#4. Kase Insurance

Kase Insurance provides special event insurance in Ontario, Toronto, and BC, which is affordable and pleasurable. They are one of the best in offering reliable event insurance. Get the best and stress-free event insurance you desire.

Their services include:

  • Weddings
  • Corporate conference
  • Banquets and lots more.

You can’t afford to miss it, can you? Visit them today!

VISIT INSURER

#5. Mackay Insurance

Mackay Insurance offers one of the most desirable and special event insurance in Ontario. They put together the best insurance policy that will definitely protect you and your guests.

The following are the events their plan covers;

  • Weddings
  • Birthday parties
  • Business conference
  • Tournaments
  • Festivals and many others.

Feel free to check them out.

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#6. CHES Special Risk Insurance

CHES provides special event liability insurance in Ontario. They make it more unproblematic to get your special event covered in case of any unlikely occurrence. Not just that, they provide their services on both annual and short-term basis.

Below are some of the services offered by CHES SPECIAL RISK INSURANCE:

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#7. FRONT ROW

Front Row has been known over time to provide quite reliable and one of the most affordable special event insurance in Ontario and Alberta. They are set to provide coverage for your event from any harmful circumstances.

They are specialized in providing insurance for the following sectors:

  • Live theatre and concerts
  • Digital content producers and animation companies
  • Producers of documentaries
  • Music videos, educational and industrial videos.
Front Row - One of the best special event insurance in Ontario
Front Row – One of the best special event insurance in Ontario

Worry no more, Get your event insured today.

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#8. Ontario Wide Insurance

Ontario Wide Insurance offers an extra special event insurance for you in Ontario. Aside from the high quality and reliable event liability, they also provide professional insurance advice.

It’s another chance to get yourself dependable and problem-free event insurance from Ontario-wide insurance.

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#9. Insurance Store

Insurance store insurance is available to provide you with the greatest insurance coverage and advice. They have about five locations in communities across Ontario just to make your events memorable like never before. They should be very affordable for you.

Feel free to check them out.

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#10. Miller Insurance

Miller Insurance is another special event insurer known to offer you the all-inclusive insurance you’ve been seeking.

They provide coverage services for:

  • Wedding insurance
  • Renters Insurance
  • Auto insurance
  • Winery insurance and lots more.
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#11. Insurance Hero

Insurance Hero offers the special event liability coverage you need. They ensure the smooth move of your event and remove the stress you have about the safety of your guests. Their services also include liquor liability, that’s if you need it for your event.

Connect with them to get started.

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#12. The Reframe Group

The Reframe Group is known to go beyond the norm when it comes to providing special events insurance in both Ontario and British Columbia. They provide reliable policies as well as equip you to become a better event leader for the future.

They provide a special and unique atmosphere for people to connect. They also organize monthly leadership events in various locations across Ontario, especially the lower mainland.

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Best Special Event Insurance in British Columbia

The following are the best special event insurance in BC:

  • Insure BC
  • CAPRICMW
  • Way Point
  • Rate Hub
  • PAL Insurance
  • Front Row
  • The Reframe Group
  • Netsurace

#13. INSURE BC

Are you looking for special event insurance in British Columbia? If yes, then you are on the right page because INSURE BC is set to offer the best and unproblematic event insurance for you.

They provide general liability coverage which includes medical expenses, and tenants’ legal liability in case of any injury or property damage during an event. Also, they host liquor liability if you are planning to serve liquor in your event.

Insure BC also provides a comprehensive range of financial and insurance products and services in British Columbia. It is very easy and flexible.

They provide coverage for the following events:

  • Social events such as birthday parties and weddings,
  • Sporting events such as tournaments,
  • Entertainment events,
  • Business events and lots more.

Worry no more! Insure BC got you covered, use link below to get started.

VISIT INSURER

#14. CAPRICMW

CapriCMW Insurance provides personalized insurance and risk solutions in British Columbia. They offer a full range of health and life insurance. They also provide unexpected medical expenses for their clients in case of any harmful circumstances at your events.

CapriCMW also provide liability coverage including defense cost for claims of negligence against the event host and extend it to liquor liability coverage, if required.

Their services include:

  • Social events,
  • Entertainment events,
  • Business events and more!

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#15. Way Point

Waypoint insurance is a special event insurance you’ve been yearning for. Don’t scroll without getting your problems solved by waypoint insurance. Waypoint insurance helps you navigate your policies and get you protected at any time.

They are always available to protect your financial investment. Aside from that, Waypoint has a number of programs and risk management advice for specific sectors across British Columbia.

Don’t miss out!

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#16. Rate Hub Insurance

Rate Hub is a special event insurance that provides smarter financial decisions for you. They provide you with the best tools, advice, and rates in the market. Whether you need a mortgage or insurance coverage.

The following are the events their plan covers:

  • Meetings,
  • Weddings, and
  • Business conferences and many others.

Get remarkable event insurance like never before.

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#17. PAL Insurance

PAL is also another amazing special event insurer in BC. They are proud members of:

  • Ontario Recreation Facilities Association,
  • Festival & Events Ontario (FEO),
  • Ontario Association of Agricultural Societies,
  • International Live Events Association, and
  • Canadian Association of Fairs and Exhibition

Feel free to check them out…

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Best Special Event Insurance in Alberta

The following are the best special event insurance in Alberta:

  • First Foundation Insurance
  • Sharp Insurance
  • Leibel Insurance
  • Alberta Parks
  • All Insurance
  • UALBERTA Insurance

#18. First Foundation Insurance

Is getting special event insurance difficult for you? Don’t worry, first foundation insurance is here for you. First Foundation Insurance provides life insurance, auto insurance, home insurance, as well as business insurance.

They also offer financial planning and investment options to help you grow your wealth as a business owner. They make sure that you don’t become a victim of being inadequately protected either at your home or rented condo in Alberta.

First foundation insurance provides coverage for the following events:

  • Meetings,
  • Weddings,
  • Business events and more!

Feel free to check them out.

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#19. Sharp Insurance

Sharp Insurance offers comprehensive coverage options for you. They make insurance more accessible to you through technology and innovation. They can also work on your behalf that is, they act as your trusted insurance advisor and advocate for you during the claims process.

You can’t afford to miss this? Use the link to get started with Sharp Insurance.

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#20. Leibel Insurance

Leibel is a special event insurer in Alberta that also offers commercial, life, health, and group insurance.

They also make switching insurance easy and pain-free for you. Leibel also offers businesses a wide range of commercial insurance products that will fit your company’s needs. They are best in providing insurance to protect you, your belongings as well and your guests in any event.

They provide coverage for different events, such as:

  • Business events
  • Social events and lots more.

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#21. Alberta Parks

I know that you’ve come across different event insurance in Alberta, But have you tried getting your insurance coverage from Alberta Parks? Check this out!

Alberta Parks is a special event insurer that offers the best camping experiences in Alberta which includes individual family camping, group camping, Comfort camping, and more. It is very reservable and full with a wide range of amenities to meet every client’s need and ensure a great experience.

They also ensure that everyone benefits from outdoor recreation without the feeling of not being protected. You can make your own adventure, whether you like to fish, sit by the campfire, or hang out at the beach without any fear.

Get the best outdoor experience NOW!

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#22. UALBERTA Insurance

UALBERTA which stands for University of Alberta insurance. They are a special event insurance provider that hosts different events including conferences, workshops, and concerts. Ualberta also generates different risk solutions that help make the world a better and safer place.

You can’t afford to miss this chance of getting a worry-free event insurance, Can you?

Feel free to check them Out!

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#23. All Insurance

All insurance is a special event insurance in Alberta. They specialize in commercial transportation insurance, home insurance, outdoor insurance, contractor insurance, and more!

They provide online brokerage and Client apps for self-service. Aside from the general liability coverage, They also offer one-stop shopping for you.

Click on the link below to get more information

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Best Special Event Insurance in Toronto

The following are the best special event insurance in Toronto:

  • Merit Insurance,
  • Shephard Ash More, and
  • Kase Insurance.

#24. Merit Insurance

Merit uniquely offers Event Planning Insurance to you and other event organizers ranging from offsite business meetings to family reunions.

They have been trusted by Canadians for offering these programs since 1989 and we have insured tens of thousands of events of all sizes across Toronto, Ontario, in Canada.

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#25. Shephard Ash More

Shephard Ash More is known to be the first web service offering automated, online special event liability Insurance in Toronto, for cities, universities, and private venues.

They are proudly supported by Event Safety Alliance Canada and the Canadian Live Music Association.

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Frequently Asked Questions on Special Event Insurance in Canada

What types of special event insurance are available in Canada?

There are a lot of different special event insurance policies available in Canada such as event liability insurance, event cancellation insurance, vendor insurance, equipment rental insurance, and liquor liability insurance.

How much does special event insurance cost in Ontario?

The cost of special event insurance in Ontario varies depending on some factors but, as a general rule of thumb, you can expect to pay between $100 and $1,000 for special event insurance. For larger or more complex events, the cost may be higher.

What are some common mistakes that people make when purchasing special event insurance?

Some common mistakes people make when purchasing special event insurance are; not purchasing enough coverage, not reading the policy carefully, and not purchasing the policy early enough so that you have time to review it and make any necessary changes.

What are the most common types of special events that require insurance in Alberta?

The most common types of special events that require insurance in Alberta are events like weddings, corporate events, festivals, concerts, sporting events, conferences, trade shows, product launches, private parties, school events, and charitable events.

What are the key benefits of having special event insurance in BC?

You have a lot of benefits to enjoy and the key ones are financial protection, peace of mind, and compliance with requirements as many event venues and vendors require you to have special event insurance in place.

Important Recommendations

Conclusion

The special event insurance market in Ontario is growing rapidly and evolving constantly. As an event organizer, you should stay aware of the latest trends in the market and compare quotes from multiple insurance providers as we’ve shown you above, before purchasing a policy.

You can also free to visit us as often as possible to get the latest updates in the insurance industry.

Hope to see you again!

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