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Special Events Liability

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Athletes Aren’t the Only Ones Who Need Protection

League games, tournaments, and fundraising events can be a lot of fun; however, if anything unfortunate should occur, you or your organization could be on the hook for financial compensation. As the coordinator in charge, you need to guarantee that you have the right coverage in place, which may involve the following considerations:

Bodily Injury and Property Damage Up to $10,000,000

Facility User Groups

Liquor Liability

Cross Liability Clause or Severability of Interest

Blanket Contractual Liability

Cities, Municipalities, Townships and Villages as an Additional Insured

Products and Completed Operations

Optional Property Insurance

Blanket Additional Insured Endorsement

Non-Owned Auto Liability

30 day Notice of Cancellation

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HOW TO APPLY

Your Insurance Obligations Made Easy

Step 1

Application

Fill in the contact form and an SBC agent to contact you back with an application.

Step 2

Quote

You’ll receive a no obligation quote from one of our team members.

Step 3

Payment

Want to proceed? Pay for your quote.

Step 4

Documents

You will receive your insurance documents electronically via email.

Get Started

What we cover

Commercial General Liability

Commercial general liability insurance is required by the City and mandatory for events or activities on City and Park Board property and for the use of any city or Park Board facilities.

Community Centres

Types of Locations: Gyms, swimming pools.

Are you playing pickup basketball and need gym space? When renting a gym to play basketball for a few months, you will need to provide proof of commercial general liability insurance to City. Apply now or contact us for a quote.

Fields

Types of Locations: Grass fields, parks, turf fields, sports fields.

Are you starting a soccer league? Or maybe a soccer academy? You will need field time or time on the pitch. Showing proof of insurance is required to the City. Apply now or contact us for a quote.

Events

Types of Locations: City parks, community gardens, recreational areas.

Having an outdoor wedding? How about a concert? Hosting a carnival? You will want to ensure you are protected from the mishaps that can occur from attendees. Apply now or contact us for a quote.

WE’RE HERE TO HELP

Frequently Asked Questions

01. Why do I need liability insurance?

Because no matter how careful you are, accidents happen. You can also be sued by anyone who claims injury or damages resulting from your activities. You may not be liable, but you must be defended in court. A liability policy will pay for this defence and any costs awarded against you. In short, liability insurance gives you peace of mind.

02. What information is required to secure a special event liability policy?
  • Your organization’s name and contact information
  • The address of your upcoming event
  • The anticipated duration of your event and the approximate guest count
  • Details about the venue and its insurance requirements
  • Information about any invited third-party vendors (photographers, caterers)
  • Will alcohol be served?
03. What types of special events do you insure?
  • Training Camps
  • Sports Tournaments
  • Fundraisers
  • Conferences
  • Seminars
  • Conventions
  • Trade Shows
  • Award Ceremonies
  • Reunions
  • Holiday Parties
  • Banquets
  • Weddings
  • Gatherings at public and private venues
04. When should I purchase my special event liability insurance?

Planning well in advance for any big event is always recommended. Generally speaking, policies are issued a maximum of 30 days prior.

05. What is non-owned automobile coverage?

This type of insurance protects the policyholder in cases of bodily injury or property damage involving a vehicle or vehicles they do not own that are involved with the event.

06. Are there exemptions not typically covered by special events liability insurance?

Your insurance broker can walk you through the details of your specific policy. Some plans may have restrictions based on certain conditions.

  • Events involving motorized vehicles, watercraft, drones
  • Overnight camping
  • Activities featuring firearms, fireworks, pyrotechnics
  • Cases where separate property insurance is required
  • Damage to vendors’ equipment
  • Intentional damage caused by criminal behaviour

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