Yes, if there is alcohol at the event, there is still a risk of an alcohol-related loss. If the venue was serving the alcohol and there was a loss, you as the event host and the venue could both be named in a lawsuit.
Event Insurance from Duuo
Make purchasing event insurance the easiest item to check off your to-do list.
Do I need event insurance?
Event insurance is purchased to cover an event host’s liability in case of an accident. It includes coverage for Event Liability (Bodily Injury and Property Damage) and for Tenant’s Legal Liability. At Duuo, you also have the option to purchase host liquor liability coverage for non-sporting events.
If your venue has asked you to get venue insurance or hall rental insurance, you’re in the right place.
Even if your event space doesn’t explicitly state that they need event insurance, a quick, low cost event insurance policy gives you the peace of mind you need to focus on all the other items on your event planning to-do list
Why Choose Duuo?
Duuo provides digital, on-demand access to event liability insurance, making it easier than ever to get your special event covered in the case of an unlikely accident.
Most venues will require you to purchase a form of event insurance before allowing you to host an event in their space.
At Duuo, our philosophy is that if you need to get event insurance, it might as well be easy! Goodbye broker, service, and insurance advisor fees, cancellation fees, and deductibles. Hello event liability insurance that can be purchased online in minutes, and only charges you for the day(s) you need. Let’s get started!
What does Duuo’s Event Insurance policy cover?
A renter’s insurance needs are different to those of home owners. That’s why tenant insurance offers coverage designed specifically for renters. Tenant insurance covers three really important things, but sometimes they can be tricky to understand. Let us translate for you:
Host Liquor Liability*
Event Liability (Bodily Injury & Property Damage)
Tenants’ Legal Liability
Medical Payments
*Host Liquor Liability is an add-on to our standard event insurance policy. Easily included in your policy at an additional cost, this type of coverage is required when you are planning to serve alcohol at your event. Host liquor liability is not available when purchasing a policy for sporting events. In addition to purchasing this coverage, you will need to acquire any liquor licenses and permits as required by your Province. For additional advice on your insurance needs regarding host liquor liability, contact the licensed insurer’s representative or a licensed insurance agent.
Types of events we cover
We provide coverage for a very wide range of social and sporting events, from wedding insurance to protection against third party property damage at lectures. Here is a short list to give you an idea:
- Wedding or “Stag & Doe”
- Party or reception
- Kid friendly event or party
- Shows, festivals, or recitals
- Charity or non-profit events
- Lectures, workshops, or meetings
- Sporting events and tournaments
Does your event fit into one of the above categories? Let’s get you covered!
Testimonials
How to purchase Duuo’s special event insurance?
You can purchase Duuo Event Insurance directly online in a few minutes. Just tell us a bit about your event, including details like:
- The type of event you’re hosting
- Key details like date, location, and length
- How many people will be attending
- If alcohol will be served
- If any third-party vendors will be working the event (photographers, wedding cake bakers)
After you fill in your information, you’ll receive a quote and an invitation to sign up with Duuo and purchase your coverage. We’ll even email the proof of insurance directly to your venue.
The entire Duuo process takes less than 5 minutes. It’s that simple!
Making a claim
We’re sure your event will go off without a hitch, but hey, things happen. That’s why we have event insurance coverage in the first place!
If you do need to make a claim, Duuo allows you to do so entirely online. Just answer a few simple questions and tell us about what happened, and then we’ll have our super-friendly claims rep reach out to you.
Frequently Asked Questions
Got questions? We have answers!
What is the liability limit for Duuo Event Insurance?
With Duuo Event Insurance, you’re covered for the following:
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Host liquor liability *Can be added at an additional cost for non-sporting events only. You must also acquire any liquor licenses & permits required by your Province.
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Event liability (Bodily Injury & Property Damage): $5,000,000
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Tenant’s Legal Liability: $1,000,000
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Medical payments: $10,000
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No Deductible
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Limits are standard and can not be changed
For municipality venues only – Tenants’ Legal Liability Limit is extended to $5,000,000, and waiver of subrogation is applicable.
* We define a municipality as a government/public owned vs. privately owned venue.
Are performers covered under my policy?
Duuo Event Insurance does not provide coverage for third-party vendors, band(s), performers, or musicians. Any bodily injuries or property damage caused by the band(s)/performers/musicians would not be covered.
If the performers and vendors are covered by their own insurance, we can provide insurance coverage for the event. If they do not have their own insurance, we cannot provide coverage for the event. You must agree to obtain certificates of insurance from any third-party vendors as per the ‘I Agree’ page through the online quoting process.
After my policy is purchased, how do I add someone to the certificate, or make another change?
The easiest way to make a change is to cancel the policy and repurchase. This way, you do not have to wait to connect with our customer support team. You can cancel your policy from your online Duuo account and repurchase with the corrected information.
You can cancel your policy from your online Duuo account.
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Log into your Duuo Account
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Navigate to the ‘Summary’ section of your policy – Other Insurance – select ‘Event Host’
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Click on the three dots in the policy banner as shown below – select ‘Cancel’
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Select cancel again to complete.
Once the cancellation is complete, the refund will be automatically issued. It can take 3-10 business days to have it show as returned on your card.
How do I cancel my Event Insurance?
You can cancel your policy from your online Duuo account as long as it is before the policy start date.
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Log into your Duuo Account
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Navigate to the ‘Summary’ section of your policy – Other Insurance – select ‘Event Host’
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Click on the three dots in the policy banner as shown below – select ‘Cancel’
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Select cancel again to complete.
** If the event date has passed, please contact us, and we will be happy to assist you.
Click here to watch a demo.
Do we offer alcohol coverage for “bring your own booze” style events, at a private residence?
Yes! As long as you are in compliance with your local obligations to obtain a liquor licence (when required), you can add this coverage to your event policy.
Can I cancel my policy after purchase?
You can cancel your policy from your online Duuo account as long as it is before the policy start date.
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Log into your Duuo Account
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Navigate to the ‘Summary’ section of your policy – Other Insurance – select ‘Event Host’
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Click on the three dots in the policy banner as shown below – select ‘Cancel’
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Select cancel again to complete.
** If the event date has passed, please reach out to us, and we will be happy to assist you.
What do I do if my event isn’t specifically listed?
Email one of our licensed reps at info@duuo.ca or start a live chat with us. We’ll be happy to help you choose!
Do I require host liquor liability if the venue will be responsible for serving alcohol on our behalf?
Using the venue’s liquor license is no issue; however, we still recommend purchasing host liquor liability coverage by selecting “yes” to the statement that alcohol will be served at the event.
If an alcohol-related loss occurred at the event you are hosting, both the venue and the event host can be named in a lawsuit.
Does my event policy cover food poisoning?
Our coverage is designed to respond to food served at an event, it is not designed to cover food you are selling or if a business you own is preparing the food.
If the food is being served by a third-party company at the event, they would likely be responsible for the loss. However, if you were also named in a suit, our policy is designed to offer a defence as the event host.
My venue referred me to Duuo, how do I get the discount?
All you will have to do is select the venue address that has the Duuo Partner label listed!
Once you select this, the discount will automatically be applied! Your venue will also receive your proof of purchase, as this is automatically sent over. This is one of the many perks of hosting your event with a Duuo preferred partner.
Do I still need alcohol coverage if I’m not responsible for serving alcohol?
Does my event insurance policy cover a commercial kitchen (example, hosting a cooking class)
If the event you are hosting is in a commercial kitchen, our coverage can be offered. Our coverage is not designed to cover renting out a commercial kitchen space to prepare food for a business or event you are hosting. The event must be taking place in the kitchen for our coverage to be the right choice.
Do we offer alcohol liability coverage for all event types?
No, unfortunately we are not able to offer alcohol liability for any sporting events.
If my event goes past midnight, is it still considered a one-day event?
For Duuo Event Insurance, if your event goes past midnight to a reasonable hour, then this is considered a one-day event. So, you would not need to purchase coverage for an additional day.
That said, the day(s) of coverage purchased will be the day(s) that appear on your ‘Confirmation of Insurance’ document.
If you have any further questions, please contact our Customer Support Team.
What if my event runs longer than 7 consecutive days, can I purchase a second policy to cover the extra days?
Unfortunately, our coverage is not designed to cover longer event. We would not be able to offer more than 7 consecutive days of coverage, so purchasing an additional policy would not be an option.
How do I complete my event insurance policy purchase?
Once you have completed the quote online, you will move through to the payment screen.
If you have left the quote in pending status, you will log into your online account to pick up where you left off.
What if I’m hosting several separate events? Example: I’m hosting a basketball game every Thursday.
If you are hosting separate events, you must purchase a policy for each event, even if they are the same event type.
Example: If you are hosting a basketball game every Thursday for two months, you must purchase eight or nine policies, one for each game.
The benefit of purchasing separate policies is that it is easier to cancel or make changes if something does come up. You just need to change/cancel one event, not a series of events.
How do I file a claim and is there a deductible?
If you need to submit a claim, log into your online Duuo account and select the claims tab.
The red + in the top right corner will start the claims process.
** There is no Deductible on your event insurance coverage, as it is a liability policy.
