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** Due to high volume, we are experiencing longer than normal quote turnaround. **
If your event is within 7 business days this will be pushed through as a RUSH quote.
All Event submissions WILL receive a quotation prior to their event start date.



Special Events Liability

Special Events Liability

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Policy Details 

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Contact Information

1-800-265-8098 ext. 828

ontario@palcanada.com

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What is Special Events Liability?

  • Provides protection to event hosts against lawsuits arising out of single/multi-day functions with or without service of alcohol.
  • All events with live entertainment or sports MUST be submitted on this form.
  • Please note, we are unable to provide you with a quote more than 120 days in advance of the event.

 

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**NEW** Cannabis Event Liability

  • PAL’s Cannabis Event Liability is the first of its kind in the Special Events world. Cannabis Event coverage is now available for clients who may have a Cannabis exposure at their event, with or without knowing that the actual Cannabis exposure exists.
  • The legalization of Cannabis across Canada, has posed a new element of risk for various event organizers, as many Canadians may be “lighting up” on the event premises. Anything from family gatherings and small reception style events to an outdoor music festival with a designated smoking area, the Cannabis usage will most likely exist.
  • PAL’s Cannabis Event Liability, has been designed to clearly protect the Named Insured’s negligence when there is Cannabis consumed on the event premises via an event attendee who consumes their own (legally obtained Cannabis) on the event premises or a third party supplier.
  • Please note that coverage is NOT intended for the event organizer/host to supply Cannabis to their event.
  • Examples of Coverage areas are as follows:
    • Reception Style events where an attendee may bring their own Cannabis and consume outdoors, on the event premises.
    • Designated/Licensed Cannabis areas, located outdoors at various events, such as: Concerts, Festivals, Fairs,
    • A Third-Party Vendor, who may be at the insureds events serving, selling or sampling their Cannabis product to the event attendees. (Third Party Vendor to carry a minimum $2mill liability for their operations along with Product Liability)
    • Any event where invited attendees may walk outdoors, consume their own Cannabis and allowed to re-enter the event itself.
    • Common exclusions are as follows, but not limited too: Event host/Organizer supplying any form of cannabis, damages as a result of smoking Cannabis indoors, Minors consuming or handling any form of Cannabis or Alcohol, Third Party Vendors are excluded and required to carry their own insurance coverage.

 

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NEW! Sports Liability

  • Sports Liability includes general liability coverage for the host of the sporting event and coverage for injury to participants for sporting activities that qualify.
  • This coverage protects against lawsuits brought on by a third party alleging that a bodily injury or property damage has been sustained by either an athletic participant or spectator for which the host individual or organization is liable (some restrictions apply).
  • Intended for hosts of sporting events or activities, individuals or groups running organized sports activities, Sports Clubs, leagues and teams, Sports Associations, sports camps and clinics.
Available Coverages:
  • General Liability Coverage including Injury to Participants for sports-related activities that qualify
  • Host Liquor Liability
  • Tenants Legal Liability Limit
  • Daily, weekly, monthly, annual, seasonal and tournament coverage available
Qualifying sports (including but not limited to)
  • Aerobics, Badminton, Bowling, Canoeing, Curling, Darts, Dance Lessons/Recital, Fitness, Geocaching, Hiking, Horseshoes, Lawn Bowling, Mini Golf, Orienteering, Pickleball, Racquetball, Rhythmic Gymnastics, Rowing, Squash, Table Tennis, Tai Chi, Tennis
  • Archery, Baseball, Basketball, Cycling, Dancing Competition, Fencing, Floor Hockey, Goal Ball, Handball, Indoor Ice Skating, Soccer, Softball, Swimming, Synchro Swimming, Non-Contact Touch/Flag Football, Non-Professional Golf, Recreational Non-Contact Ice Hockey, Track and Field, Ultimate Frisbee, Volleyball, Weightlifting

 

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What’s the coverage?

  • We offer limits of liability from $1,000,000 to $5,000,000 with deductibles from $1,000.
  • Coverage included: Commercial General Liability, including Third Party Property Damage/Bodily Injury, Medical Payment ($2,500pp/$25,000 max), Non-Owned Auto, Food and Beverage Product Coverage, Cross Liability, Employees/Volunteers as Additional Insured and Tenant's Legal Liability ($500,000+)

Optional Coverages:

  • Host Liquor Liability - up to $5,000,000 limit available.
  • Property Extension - Coverage for items you may own, rent or are in your custody, care or control, ie Audio/Visual equipment, tables and chairs, projector screens, etc.

PLEASE REVIEW YOUR RENTAL AGREEMENT OR CONTRACT WITH THE VENUE PRIOR TO SUBMITTING YOUR SUBMISSION AS ANY CHANGES AFTER POLICY ISSUANCE WILL BE SUBJECT TO A $25 FEE AND / OR ADDITIONAL PREMIUM.

 

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Who is this designed for?

  • Hosts of single/multi day events who are seeking coverage (other than 1 day reception style event - ALL events with live entertainment or sports MUST be submitted on this form.) 
  • Hosts of single/multi day events where NO alcohol will be served (however, liquor extensions are available.)
  • Examples of events: Meetings, family reunions, music festivals, concerts, ball tournaments, street parties, conventions, film shoots, hockey tournaments, theatrical performances, youth dances, film festivals, camps, rodeos, craft shows and more..
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Exhibitors

Are you running an exhibitor booth, vendor booth or kiosk at an event, flea market or mall? If so, Click Here to access our Exhibitor Vendor Booth, Kiosk Liability program.

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Having a Wedding?

You might want to look at our Weddinguard packages. It Includes three (3) 24 hour periods of Host Liquor Liability coverage as well as cancellation coverage and much more. The cost is comparable to our Party Alcohol rates but the packages include many more wedding coverages to give you peace of mind on your wedding day.  Be sure to check it out!

 





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Section 1

Reference #
21-195216


Select Policy Document Language: * 
 
Province: * 
 
Search by Event Location or Name of Venue: * 
   
Name of location of event: * 
   
Address of location: * 
   
City: * 
   
Postal Code: * 
   
Location Type: * 
 
Limit of liability required: * 
 
Is this a private residence, house, farm or field?: * 
               

Section 2

Name of insured: * 
   
If individual, date of birth: 
 
Address: * 
   
City: * 
   
Province: * 
 
Postal Code: * 
   
Phone Number: * 
   
Email: * 
   
Additional Insured: * 
               

Section 3

Add Additional Insured: If an additional insured is required to be named, please describe the additional insured relationship to the event. Select if the additional insured is the Event Venue or Event City/Municipality and provide their name and address. Then select the ADD ADDITIONAL INSURED. You may add more additional insureds by repeating these steps.
Type: * 
 
 
 
Name Of Additional Insured: * 
   
Address:    
   
City:    
   
Province:    
 
Postal Code:    
   


Section 4

Is this an event with sports or athletic activities?: * 
               
Is this a sport tournament?: 
 
Can you confirm first aid supplies/ first aid services are readily available on site?: 
               
Is this a professional sport/athletic event?: 
               
Is coverage required for injury to participants in sporting events arising out of the negligence of the event host / organizer?: 
               
Is the applicant participating in, managing, or organizing any of the following: sports club and/or league, sporting association, or sporting tournament?: 
               
Are Waivers signed by all participants?: 
               
Is the event a virtual event?: 
               
If yes, does the VIRTUAL portion of your event involve sporting/athletic activities or alcohol service/consumption.: 
               
Will there be alcohol service/consumption at any of the activities excluding Virtual portion?: 
               
Event Type: * 
 
Additional Event Details, If Applicable: 
   
Event Effective Date: * 
 
Start Time: * 
 
Event Expiry Date: * 
 
End Time: * 
 
Max # of attendees (per day): * 
   
Max # of attendees (whole event): * 
   
Admission Fee ($): * 
   

Section 5

Will there be entertainment at the event?: * 
 
 
 
 
 
Entertainment Performer: 
   
Entertainment Type: 
               
Is coverage required for injury, arising from your negligence, to the performers/entertainers at your event?: 
               
Entertainment Genre: 
   
Will there be vendors or exhibitors at the event: * 
               
Is proof of insurance a requirement for the vendors/exhibitors to set-up at the event: 
               
Will food and beverages be served at the event: * 
               
Who is providing food and / or beverages?: 
 

Section 6

**CANNABIS EVENT LIABILITY**


ATTENTION: Event Attendees may bring their own legally sourced Cannabis to this event! AND, you as an event organizer MAY NOT BE AWARE of this heightened exposure.

There will be an automatic “Cannabis Event Liability” Extension option that will pre-populate with your quotation if you would like to purchase this Cannabis Coverage extension AS AN ADD ON.

Please complete below for all other Cannabis Exposure.

Will there be cannabis consumed at the event / on the event premises?: * 
               
Will any cannabis (or variety of cannabis) be supplied by the applicant/host of the event?: 
               
All Cannabis smoking/vaping MUST take place outdoors check YES to confirm: 
        
Will any cannabis (or variety of cannabis) be supplied by a third party vendor?: 
 
 
 
Will the third party vendor carry their own cannabis liability at a minimum of $2 million dollars?: 
               
Have all permits and licenses etc been approved and granted from the government or municipality or regulators?: 
               
Will there be a legally licensed Cannabis designated area outdoors?: 
               
How many people in the designated area?: 
   
Will ID checks be in place for cannabis area?: 
               
Will there be security personnel in place with their own insurance coverage for their operations?: 
               

Section 7

Will there be alcohol served/consumed at any of the activities: * 
               
How many days of alcohol coverage do you require?: 
 

Section 8

Who is in charge of the service of alcohol: 
 


All Rules and Regulations pertaining to the service and/or consumption of alcohol must be abided.

Date: 
 
From: 
 
To: 
 
Location: 
   
# of patrons: 
   
Are servers trained: 
               
Date: 
 
From: 
 
To: 
 
Location: 
   
# of patrons: 
   
Are servers trained: 
               
Date: 
 
From: 
 
To: 
 
Location: 
   
# of patrons: 
   
Are servers trained: 
               
Date: 
 
From: 
 
To: 
 
Location: 
   
# of patrons: 
   
Are servers trained: 
               

If alcohol is served/ consumed at additional activities, please insert information in comment box below.

Additional details/ activities: 
   

Section 9

Will fireworks/ special effects or petting zoos/ other animals be involved in the event. If yes, a certificate of insurance or further underwriting may be required.: * 
 
Will there be a parade: * 
               
If yes, please specify the number of units in the parade: 
   
Length of Parade: 
   
Police Escort: 
               
Are there any horses: 
               
If YES to horses, please confirm if each horse owner is required to provide proof of insurance prior to the parade.: 
               
Is the applicant providing any overnight camping or other accommodation: * 
               
Accommodation type: 
 
Other - please specify: 
   
If event involves youth, please provide sleeping arrangement details: 
   
Will there be any inflatables/ jumping castle: * 
               
Details: 
 
If yes, is coverage secured elsewhere?: 
               
If no coverage is in place elsewhere, an extension with a sublimit of $250,000.00 is available to be added to the policy, subject to additional premium of $50.00.
Do you want coverage? (some restrictions may apply): 
               
Will any temporary grandstands, bleachers or stages be set-up: * 
               
If yes, Who will do the installation: 
   
Will a certificate of insurance be provided by the installers: 
               
Please provide details on the installation: 
   
Who will be providing security at the event: * 
 
How many people on site for security/ supervision: 
   
Will there be any designated children areas (ie: babysitting): * 
               
If yes, please provide pick-up / identification procedures: 
   
Has the event been held in the past: * 
               
Have you been declined or cancelled by any other insurer(s).: * 
               
If so, please provide details: 
   
Previous Insurer and premium paid: 
   
Have you had any claims / loss history?: * 
               
Loss History: 
   
Do you have any special request for coverage: 
   
Do you require property coverage for items you own or rent?: 
 
Property covered, other amount: 
   
Please describe the property to be covered?: 
   
General comments: 
   
You may wish to attach any photos, posters, brochures, diagrams, or any additional information that would be may be useful for underwriting purposes.
Attachment: 
   
Attachment #2: 
   

Section 10

Name of person completing this form: * 
   
Mailing Address of person completing form: * 
   
City: * 
   
Province: * 
 
Postal Code: * 
   
Phone Number: * 
   
Email: * 
   
Verify Email: * 
   
I /We hereby declare that the answers and declarations above, whether in my own hand or not, are true and that I /we warrant that no material fact has been withheld or misstated and agree that this proposal will form part of the policy and will form the basis of the contract with underwriters. I /we understand that the underwriters may declare any policy issued void in the event of any false statement, misrepresentation, omission or concealment whether made intentionally, innocently or accidentally. For purposes of the Insurance Companies Act (Canada), this document was issued in the course of Lloyd's Underwriters' insurance business in Canada
I/we agree: * 
        
I have reviewed the information above and have ensured it is 100% accurate. I have also included any Additional Insureds that may be required within the Venue’s rental agreement/requirements.
Check to confirm: * 
        
How did you hear about us?: 
 
If other, please specify: 
   


Please note that this is an application only. It does not constitute an insurance policy. Insurance shall become effective only on issuance of a policy or written binder specifically authorized by the company or agency. Quotations will be based upon the information provided and applicant warrants information provided.

   

HELPFUL INFORMATION
Here are a few things to try to get your certificate successfully:
  1. Check the screen for any error messages. They will appear in red above the location of the error.
  2. Double check your information to make sure it has been entered correctly.
  3. You can always start over from scratch if you are having issues.
  4. You may want to try a different browser. Sometimes the settings of a certain browser may cause a problem and using a different browser will allow you to complete your submission.

 

CUSTOMER SERVICE
E-mail:  ontario@palcanada.com
Phone: 1-800-265-8098 ext. 828
Hours: Ontario 8:30am to 4:30pm EST Alberta 8:30am to 4:30pm MST

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