BC Special Event Insurance

Special Event Insurance BC

Comprehensive, low-cost insurance to cover special events in British Columbia

Trusted by over 300,000 Canadian small business owners!

Save up to 35% on your insurance

Get the best insurance quote in a few clicks!

Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Get the best insurance quote in a few clicks!
Get a Free Quote
Zensurance - Event Insurance - British Columbia

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Quick and Easy Special Event Liability Insurance in B.C.

Get special event liability insurance quickly and easily through Zensurance.

Regardless of when or where in B.C. your event is taking place, if alcohol will or won’t be served, get the low-cost coverage you need for social gatherings, weddings, corporate and private parties, sporting events and other occasions.

Special Event Insurance, Explained

What is special event insurance in B.C.?

Host or organizers of events or parties in offices, at private residences, or rented venues across British Columbia face several liability risks that can cost thousands of dollars and ruin an otherwise terrific event. 

Special event liability insurance is designed to cover third-party bodily injury or property damage claims that may occur during your event.

For example, if a guest at a wedding slips and falls and is injured, a customized special event insurance policy from Zensurance may cover the injured person’s medical expenses and your legal fees if you are sued.

A special event liability insurance policy may include the following types of coverages:

  • Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injury and third-party property damage claims that occur during your event. It is designed to pay for an injured person’s medical expenses or cover the cost of damage to their property while attending your event.
  • Host Liquor Liability Insurance: If alcohol is served at your event and a guest causes harm to themselves, others, or their property as a result of getting intoxicated at your event, host liquor liability insurance may cover the cost of the injuries or damages up to your policy’s coverage limit.
  • Business Tenant’s Liability Insurance: If you are renting a venue such as a banquet hall, recreation centre, or private office space, the owner of that venue will typically require you to have temporary tenant liability insurance to cover the cost of damages or losses they suffer that may result from your event. Business tenant liability insurance is a type of general liability coverage for hosts renting or leasing a commercial property to pay for damages to a rented or leased property.

Insurance providers determine the cost of temporary special event liability insurance by considering several factors about your event, including:

  • The location of the event in B.C.
  • If the venue where the event is held is a rented or leased commercial property
  • The length of the event (one day or several days)
  • How many attendees will be at the event
  • If alcohol is being served at the event
  • Your experience hosting private or corporate events
  • Your insurance claim history

Special event liability insurance is recommended for individuals or organizations across B.C. that are hosting events where there is a potential for third-party bodily injury or property damage, and where the event venue may require insurance coverage, including:

  • Weddings
  • Parties and celebrations
  • Corporate events
  • Charity and fundraising events
  • Festivals, exhibitions, and fairs
  • Live music or DJ performances
  • Sports tournaments
  • Business conferences and expos

Some event venues may require organizers to provide proof of liability insurance for renting their space. Additionally, sponsors, vendors, or venue owners may request to be named additional insureds on your policy.

Getting insured is quick and easy!

Complete our 5-minute online application for a free BC event insurance quote.

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Claims Examples

Coverage

Problem: Guests attending your conference in Kamloops become ill due to foodborne illnesses after consuming food or beverages provided at the event.

Outcome: Commercial general liability insurance may cover the affected guests’ medical and rehabilitation expenses.

Coverage

Problem: An employee at a private company party in Victoria becomes intoxicated, and drives home afterwards. They get involved in a collision with another motorist, damaging their vehicle and injuring the other driver.

Outcome: Host liquor liability insurance may cover your legal defence expenses in a lawsuit from a third party injured by the employee or others as a result of the alcohol served to them.

Coverage

Problem: At a private party in Vancouver you’re hosting, furniture belonging to the rented venue owner is accidentally damaged by your guests. The venue owner demands compensation.

Outcome: Commercial general liability insurance may cover repairing or replacing the venue owner’s damaged furniture.

Frequently asked questions

How can I get a certificate of insurance to prove I’m insured for my event?

After purchasing a special event liability insurance policy from Zensurance, we will email you a certificate of insurance in 24 hours or less.

Does my special event insurance cover incidents that occur after the event?

No. Once your special event liability insurance policy expires, it will not cover damage or loss claims that occur after the event has ended.

Does special event insurance cover a cancelled event?

If your event is cancelled or postponed due to unforeseen circumstances such as extreme weather or a natural disaster, you may require additional coverage for the financial losses you incur.

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Ready to start? Let’s get a quote!

Get the best special event liability insurance coverage quickly through Zensurance.

Fill out our online application for a free quote in less than five minutes. 

Our knowledgeable brokers will shop our partner network of over 50 Canadian insurance providers to get the low-cost coverage you require and tailor it to suit your event.

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