A customer alleges product injury
Scenario: A customer alleges a sold product caused injury.
What happens next: Keep supplier, batch and sale records. Product liability wording and the declared products are important.
Preview any coverage
Make this coverage review specific to your business
An event's date, activities and contracts define the review.
Prepare these details
Organizer requirements, attendance, products and setup activities.
Ask before accepting a proposal
Are setup, teardown, products and additional insured requests included?
Start my business enquiry →Hypothetical situation
A visitor alleges injury at a vendor's stand.
Ask which wording, conditions and notification requirements would apply. A scenario does not establish coverage or guarantee an outcome.
Specialty & bonds
Event Insurance
Short-term liability for a single event, market, fair or festival.
20%
What could a lower premium mean for you?Illustrative example: $2,400 → $1,920 per year is $480 less. Not an available offer. Try your own numbers →
Events start with a clear plan.Describe activities, dates and venues
Check the organiser's requirements.Review liability and certificate needs
Live examples
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Recent business insurance purchases
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
Who needs it
Vendors, exhibitors, organizers and anyone whose booth application demands a certificate.
What it does not cover
A homeowner policy will not respond to commercial vending activity.
Canadian wording
Where the Canadian form differs.
Canadian market and municipal organizers set their own limits, commonly $2M, and demand naming as additional insured.
Also calledSpecial event liability, vendor liability, exhibitor insurance
At a glance
| Canonical name | Event Insurance |
|---|---|
| Abbreviation | — |
| How it is bought | Short-term standalone |
| Category | Specialty & bonds |
| Typical limits | Range only, with the basis stated — Canada publishes no commercial tariff |
Limits are written to the exposure and to what your contracts demand, not to a rule of thumb. Any page quoting a single “standard” limit for a class of business is quoting one broker’s habit.
Know what you need. Now get it priced.
One request, and someone licensed to place this coverage picks it up.
Is this the wording my policy actually uses?
Not necessarily. Canada has no single mandated commercial wording the way the US has ISO. The IBC form is the reference; many Canadian insurers write their own manuscript wordings derived from a mix of IBC and ISO. Where we describe the IBC form we say so, and the only authority on your coverage is your own policy document.
How much does this cost?
We publish ranges with the basis stated, never a single figure. Commercial premiums are driven by class, revenue, payroll, claims history, limits and the market cycle. A page quoting one number for a whole class of business is quoting a habit, not a market.
My contract demands this. How fast can I get it?
For most standard coverages, same day to a few days. Bonds and specialty lines take longer because they are underwritten individually. If you have a deadline, say so at the start of the request rather than at the end.
Does Insurance Genie sell this?
No. InsuranceGenie.ca is not a brokerage or an insurer. We explain the coverage and connect you with an appropriately licensed organization that can quote and place it, and we name them before your details are shared.
Be prepared
Claims scenarios: what happens next?
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Stock is damaged
Scenario: Stock is damaged while stored or transported.
What happens next: Record its location and cause of loss. Property, stock and transit coverages must be checked separately.
An event incident occurs
Scenario: An incident at a sales booth leads to a claim.
What happens next: Keep the event agreement and certificate. A certificate alone does not establish how the policy responds.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
