Event Coverage For FirstService Residential Communities

Community Events

Welcome, Communities!

This page is designed specifically for FirstService Residential communities that need an event liability insurance option when acting as the host or organizer of a community event.

Whether you’re:

Hosting a casual get-together in the clubhouse
Planning a new resident welcome party
Organizing a holiday or Christmas celebration

this coverage helps protect you and the association so you can focus on running a successful event with confidence.

What Does Insurance for Event Liability Insurance Cover?

When your community hosts an event, you take on added responsibility. Event liability insurance helps protect the association and its staff from unexpected incidents that can arise during resident gatherings.

Coverage may help with claims related to:

Resident or guest injuries
Damage to association property or rented equipment*
Alcohol-related incidents at hosted events **

For example:

If a resident or guest slips and falls in the clubhouse, liability coverage can help pay for medical expenses
If event decor, sound equipment, or furniture damages the clubhouse or rented space, coverage can help cover repair costs
If alcohol is served and a related incident occurs, host liquor liability coverage helps manage the resulting financial responsibility

This protection allows communities to confidently host events while minimizing risk.

*Does not cover damages to your own property, decor, or owned items. Only intended to cover damages to rentals or those of your guests.

**Liquor liability insurance is only included if alcohol is complimentary (not sold).

Event Insurance Coverage Limits

Event hosts need a variety of insurance coverages to sufficiently shield themselves from claims, including:

Additional Insureds extend liability protection to other parties involved in your event. Communities will need the following additional insured:

The corporate company with a Waiver of Subrogation endorsement.

Outside vendors should list the local community and corporate company as Additional Insureds on their own policies.

Activities Not Covered*

This policy doesn’t cover the following event activities:

Water activities
Amusement devices
Inflatables
Mechanical rides
Animals

*However, you can still purchase this policy. You would need to rely on other instruments to minimize your risk. Such as:

Require a Hold Harmless Agreement

Require outside operators to carry their own approved insurance

Require being added as an Additional Insured on the outside operators’ policy

Have More Questions?

If you have any questions please contact our support team by email: partnersupport@veracityins.com or phone: 385-342-4251.

If you feel like you do not fit into these categories, we may still have a solution for you!

DISCLAMER: FS Insurance Brokers and FirstService Residential do not make any representations or warranties regarding the terms, conditions, or suitability of the insurance coverage offered. We strongly recommend that you carefully review all policy details, including coverage limits, exclusions, and conditions, before making any purchase. FS Insurance Brokers and FirstService Residential are not liable for any claims, losses, damages, or expenses arising from the purchase, use, or reliance on the insurance policies. Additionally, FS Insurance Brokers and FirstService Residential shall not be held responsible for any errors or omissions in the information provided by you, nor for any changes in the insurance coverage, terms, or conditions after purchase. FS Insurance Brokers, Inc., a subsidiary of FirstService Financial and an affiliate of FirstService Residential, receives compensation as a co-broker from its broker partnerships. FS Insurance Brokers owes a duty of care to its clients that takes priority over FirstService Residential or FS Insurance Brokers’ or its affiliated entities' interests. We protect our client’s interests, understand their needs, and always act with integrity, competence, and the utmost good faith. FS Insurance Brokers will always disclose our relationships to our clients in advance of any client decision. FS Insurance Brokers avoids real, potential, or perceived conflicts of interest through transparency and disclosure and will withdraw our services upon any client request.