Event Liability Insurance in Ontario, Canada

Protect Your Event, Protect Your Guests

Whether you’re hosting a wedding, conference, festival, or community gathering, accidents can happen. A single incident could lead to costly legal claims. At Solutions Insurance Group, we provide tailored event liability insurance so you can focus on hosting while we protect your peace of mind.

🔎 What Is Event Liability Insurance?

Event liability insurance protects event organizers and hosts against financial loss if they are held legally responsible for injury or property damage during an event.

Coverage may include:

• ⚖️ Bodily Injury – Example: A guest slips on a wet floor at your event
• 🏚️ Property Damage – Example: Equipment or venue property is damaged during setup
• 💼 Legal Costs – Covers lawyer fees, court expenses, and settlements
• 🍷 Liquor Liability (if applicable) – Protection if alcohol service contributes to an accident

📝 Is Event Liability Insurance Mandatory in Ontario?

• By law: Event liability insurance is not mandatory in Ontario.
• By venues/vendors: Many venues require proof of liability coverage before allowing you to book.
• Best practice: Strongly recommended for weddings, private functions, trade shows, festivals, and corporate events to avoid personal financial risk.
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🌟 Types of Events Covered

Event liability insurance can be arranged for:

• 💍 Weddings & receptions
• 🏢 Corporate meetings, trade shows, & conferences
• 🎶 Concerts, festivals, & community events
• 🏆 Sporting events & fundraisers
• 🎂 Private parties (birthdays, anniversaries, cultural celebrations)
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🌟 Optional Coverages You Can Add

• Liquor Liability Coverage – Required if alcohol is being served or sold
• Property/Equipment Coverage – Protects rented sound systems, tents, furniture, or other event gear
• Cancellation Insurance – Helps cover costs if your event must be cancelled or postponed due to unforeseen circumstances (weather, emergencies)
• Extended Coverage – Protection for multi-day or recurring events.
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🛡️ Why Get Event Liability Insurance Through a Broker?

Every event is different, and risks vary. Our brokers help you:

• ✅ Meet venue insurance requirements
• ✅ Choose coverage for your specific type of event
• ✅ Add liquor liability or cancellation coverage if needed
• ✅ Compare rates from multiple insurers for the best value.
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