Special event insurance for Quebec

At a glance

Special Events Insurance

Organizing different events requires a lot of preparation, optimal management of resources and great managerial capacity, but it is also necessary to prevent risks that may arise. This is why Assur360 offers tailor-made protection to succeed in this type of organization.

This is an opportunity to benefit from adequate coverage for the breakage of technical and computer materials and equipment , as well as to secure the place where the event takes place, as well as against climatic hazards that can affect the smooth running of the event.

Poor management of any claim can have a serious impact on the organiser’s finances. And in order to prevent such losses and damages, all you have to do is subscribe to the event insurance offered by Assur360.

The brand’s brokers assist customers in all the steps and present them with solutions tailored to their needs. Thanks to this type of protection, providers benefit from sufficient coverage against legal proceedings against the persons, organizations or companies responsible for organizing the events , regardless of the duration of the occasion or the presence of alcoholic or non-alcoholic beverages. Event insurance is intended for event guests who wish to benefit from civil liability insurance.

Guarantees

This product provides protection against lawsuits against individuals, organizations or companies that organize one- or multi-day events, with or without alcoholic beverage service. Limits of insurance ranging from $1,000,000 to $5,000,000 are available, with a deductible starting at $1,000.

The protection includes the following guarantees:

• General Liability — Bodily Injury and Property Damage
• Medical Expense Coverage ($2,500 to $25,000)
• Employees and volunteer helpers as other insured persons
• Recourse between co-insureds
• Offence against the person
• Potential employer liability
• Tenant’s liability (over $50,000)
• Automobile — non-owner formula

Event Type

Many events are concerned by this insurance, including:

• Meetings and conferences
• Family and social gatherings (with or without alcohol service)
• Music Festivals Film Festivals
• Concerts and shows
• Sports tournaments, hockey games, rodeos
• Street Parties and Community Events
• Filming (cinema, video)
• Craft Camps Exhibitions
• Beauty Pageant
• And many more!

We also provide sporting events, conventions, agricultural exhibitions, motor sports and shows. To find out more about the guarantees, the activities and events covered and everything related to event insurance, contact the broker Assur360, 1-866-357-4451.

Liability insurance for events with alcohol

Liability insurance for events with alcohol service is an essential protection for any organizer in Canada. It covers lawsuits and claims in the event of bodily injury or property damage caused to third parties during the event: the insurer takes care of your legal defence and the payment of compensation up to the limits provided for in the contract. Territory covered: Canada only.

What this insurance covers

If a third party suffers injury or property damage during your event and decides to take legal action, your insurer assumes your legal defence and pays the compensation awarded according to the amounts provided for in the contract. This coverage is valid for any event where alcohol is served, regardless of the duration or size of the event.

Who is covered?

Coverage extends to the organizer named in the contract, as well as volunteers and ancillary workers who act as part of the event’s activities.

Important exclusions

Some situations are not covered by this policy. Here are the main exclusions to be aware of before subscribing:

• Sports and recreational activities (skiing, snowboarding, swimming, trampoline, parachuting, ATV, snowmobiling, Sea-Doo, water slides, etc.)
• Recreational and animal-drawn vehicles
• Professional Services (Professional Errors or Omissions)
• Intentional or criminal acts
• Sexual, physical or sexual harassment
• Eviction of people from the premises
• Fireworks
• Cigarette burns and animal bites
• Damage to works of art and antiques
• Communicable diseases (including COVID-19, HIV/AIDS)
• Terrorism, war and armed conflict
• Pollution and environmental contamination
• Asbestos and nuclear or radioactive materials
• Cyberattacks and data loss
• Biological or chemical materials used maliciously
• Employee injuries covered by the CNESST

Franchising

A deductible amount (payable by you) applies to each claim. The insurer can advance this amount to settle the case quickly, but you must repay it promptly.

How do I report a claim?

1. Report the claim in writing as soon as possible.
2. Contact your broker who will refer you to PAL Insurance.
3. Fill out the Loss Notification Form.

⚠️ Important: Never admit liability or attempt to settle a claim yourself — let the insurer handle the case.

Frequently asked questions — Event insurance in Quebec