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Forums —» Regional —» Kootenay - Rockies —» hosting an event and liability insurance
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hosting an event and liability insurance

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Dammfine



Joined: Oct 10, 2009
Posts: 2

PostPosted: Thu Mar 25, 2010 11:33 am    Post subject: hosting an event and liability insurance Reply with quote

I have offered to host the next "event" in town and in trying to figure out where. I came across a piece of city owned land that is prefect.

Being a good citizen and the fact that I want to have a bunch of people out in a filed and want to park on it. I asked permission. The question came back about liabilty insurance.

What have others doen about liability insurance???
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Tulameen_Turtles



Joined: Jan 09, 2008
Posts: 347

PostPosted: Fri Mar 26, 2010 12:19 pm    Post subject: Re: hosting an event and liability insurance Reply with quote

Being an Insurance Agent for 13 years - I'll step up and give a "brief overview".

If it is a small event you are doing and there is no for-profit venture and a small group, then first step is to check with your home insurance provider and see if they can provide you coverage for it. If they can't they may be able to add a few days of coverage on for a small amount - depends on the insurance companies underwriting guidelines.

Our 'big' event is a little bit of an exception to this rule (ok big exception) - In my case I require what is called "event" insurance. Usually runs a few hundred dollars and the rate really varies based on what you are doing, amount of people & exposure.

If you choose to serve alcohol (which we are only serving Root Beer this year) then that would steeply increase the rates and the requirements - so I always would suggest staying away from that.

The cities and venues normally require proof of insurance to allow use as that way they are not liable if someone gets hurt. As benign as it seems - if you have people park there & someone trips on a whole dug up by someone else's dog - the City can be held responsible.
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_canadianbacon_



Joined: Jan 05, 2004
Posts: 1154
Location: Surrey, BC, Canada

PostPosted: Fri Mar 26, 2010 1:35 pm    Post subject: Re: hosting an event and liability insurance Reply with quote

I also believe that in some facilities, the fee for the room would include insurance. This often happens at community centers, where the entire complex already has insurance. You have to check with the individual center if you get the coverage with the space.

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Mrs_Landsharkz



Joined: Dec 04, 2008
Posts: 295
Location: Victoria

PostPosted: Fri Jun 18, 2010 11:40 pm    Post subject: Re: hosting an event and liability insurance Reply with quote

Dammfine,

I'm not sure if it helps your situation, but FWIW, here are some scenarios we've dealt with on the island.

The GCGV have had to purchase insurance to the tune of $100+ to use the local scout hall supposedly because it's owned by the Baden Powell group and not the scouts. We had 100+ people and put out a donation jar which brought in $80 with a good bit of public address letting people know that these things aren't free! The hall was great (perfect actually) and we'd like to be able to afford to use it again. We also had to pay hall rental but managed to get that discounted a bit in exchange for Chris and I donating to their upcoming silent auction fundraiser. I have heard that many scout halls are less expensive to rent and don't require insurance - it depends on who owns/runs it in the community.

At the BC Parks Group campsite we don't have to purchase insurance.

At some large scale events we have been told that our booth is covered by the 'event or venue insurance' and other times we've filled out a 'low risk' form that waived the insurance (Mega Scotland).

Our Flash Mob on the lawn of the Parliament Buildings was also waived for insurance as was the one at the Terry Fox statue.

The Geocaching Community of Greater Victoria held an event at PISE and when they asked for insurance from our 'organization' we explained that we are 'individuals volunteering together for a common interest' they also waived the insurance for our booth and geocaching demo. It's really hit and miss and sometimes depends on the company lawyer understanding the activity or not.
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