Event Insurance for Residents
- Birthday parties
- Graduations
- Baby or bridal showers
- Milestone events
- Family gatherings
What Event Liability Insurance Covers for Residents
When you host an event in a clubhouse, amenity space, or other shared area, you may be responsible for unexpected incidents that happen during your gathering. Insurance Canopy’s event liability insurance is designed to protect you from common claims that can arise while hosting.
Coverage built to help with:
- Guest injuries
- Damage to community property or rented equipment*
- Alcohol-related incidents**
For example, if a guest slips and falls during your event, coverage can help pay for medical expenses and related claims.
This coverage empowers residents to host with more confidence while also helping meet community insurance requirements.
*Does not cover damages to your own property, decor, or owned items. Only intended to cover damages to FirstService Residential communities or those of your guests.
**Liquor liability insurance is only included if alcohol is complimentary (not sold).
How Do I Buy A Policy?
Residents need to ensure the following is added to their policy during the application process:
- The corporate company is listed as an additional insured
- The local FirstService Residential community is listed as an additional insured
- A single Waiver of Subrogation endorsement applying to the local FirstService Residential additional insured
Additional insureds extend liability protection to other parties involved in your event.
If your event includes outside vendors or operators, each vendor should carry their own liability insurance and list the local community and corporate company as additional insureds on their own policies.
Frequently Asked Questions
Does This Policy Cover Me While Hosting An Event in a Shared Community Space?
Yes, this policy is designed to cover you while hosting an event in a shared community space, like a clubhouse, event room, or other park within your FirstService Residential community. This policy may help you meet the insurance requirements for using that area.
What If My Event Includes An Outside Vendor, Entertainer, or Rental Company?
If your event includes outside vendors or operators, each vendor should carry their own liability insurance policy. Each outside operator also needs to list you, the local community, and the corporate company as additional insureds on their own policies.
We also recommend obtaining a Hold Harmless Agreement when working with outside vendors.
Can I Still Get Coverage If My Event Includes a Bounce House, Animal, or Other Higher-Risk Activity?
Yes, in most cases you can still purchase coverage for the overall event. However, the higher-risk activity itself would be excluded from coverage.
For example, if your event includes a bounce house, the event may still be insured, but claims related to the bounce house would not be covered.
If you use an outside vendor or operator for a high-risk activity, they must carry their own liability insurance and list you, the local community, and the corporate company as additional insureds on their policy. We also recommend obtaining a Hold Harmless Agreement.
Can I Update My Policy Later?
Yes, you can make certain updates through your online account, as long as the event has not started. You can also contact our team if you need help making changes.
Have More Questions?
Get the coverage you need for your event with Insurance Canopy today!