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ILEA-International Live Events Association Insurance Program

Welcome to the ILEA Insurance Program from PROLINK

PROLINK—Canada’s Insurance Connection has partnered with the International Live Events Association of Canada to develop a comprehensive insurance program, designed to protect you from the unique risks you face. We can help you protect yourself with superior insurance coverage at unparalleled rates!

PROFESSIONAL INSURANCE FOR ILEA MEMBERS

Browse our professional insurance solutions tailored to the needs of Event Professionals.

PROFESSIONAL LIABILITY (E&O) AND COMMERCIAL GENERAL LIABILITY INSURANCE (CGL)

What is it?
Professional Liability Insurance protects you from claims others make against you and your event staff as they relate to mistakes or oversights made during the performance of professional activities—regardless of their validity. This includes legal defense costs and funds to pay for damages which you may have caused through negligence, omission of information, or errors in judgement.

Commercial General Liability Insurance covers claims arising from third-party injuries, property damage, libel and slander, and incidents arising from visits and meetings with clients.

Why do we recommend it?
Some event planners buy professional insurance only because their clients demand the coverage. That’s because not all planners have taken a close look at the coverage.

One event planner relied on their client’s commitment on attendees. The client was a little too eager. The hotel and venue sued the event planner for lost revenue, as he signed the hotel’s contract committing to a minimum number of guests. The court found him negligent. The planner had to pay $18,200 in attrition penalties and $4,000 in legal defence costs. Professional Liability Insurance could have covered that.

Because planning and contingencies aside, the truth is many factors are out of your control when an event occurs. You could easily find yourself liable. We can help. PROLINK—Canada’s Insurance Connection has worked closely with ILEA to develop a professional insurance program, tailored to your unique needs.

Additional policy highlights include:

  • Legal defense costs incurred by the insurance company to defend your claim will not reduce the limit of liability available to pay the damages for which you are responsible. That means that you will still be able to cover the damages—and your legal fees—without worrying about diminishing your funds.
  • The deductible does not apply to defence costs. That means that if no damages are paid to a third party, your legal fees will be fully covered without having to pay anything out-of-pocket.
  • And more

Stuff happens. To talk to a professional who understands your business and can ask the right questions to provide you with the right protection, contact PROLINK today!

EVENT CANCELLATION INSURANCE

What is it?
Event Cancellation Insurance can help protect you in the case of unexpected circumstances that lead to your event’s postponement, cancellation, or relocation. 

Why do we recommend it?
Event Planners must defend event revenues and event budgets. Your enemy: the stuff that goes wrong. And your best ally? Event Cancellation Insurance.

We’ve partnered with ILEA to gain the industry’s perspective on the specific risks you face as an Event Planner. Combine that with over 40 years of insurance expertise serving professionals, and you’ll find a comprehensive insurance solution, tailored to the unique needs of the Events and Entertainment Industry.

Our coverage includes: 

  • Non-appearance;
  • Venue unavailability;
  • Alcohol-related liabilities;
  • Equipment theft;
  • Labour disputes;
  • Blackouts;
  • Extreme weather;
  • Natural disasters;
  • Threats;
  • Disease outbreak;
  • Terrorism;
  • And much more!

When stuff happens, you’ll want to know that you’re protected. So talk to a professional who understands your business, and can ask the right questions to provide you with the right coverage.

EVENT LIABILITY INSURANCE

What is it?
Event Liability Insurance protects both the event manager and the host of the event from liability resulting from third party injuries and property damage for a pre-determined amount of time. For example, if someone slips and falls or a delegate alleges the irresponsible service of alcohol caused them to seriously injure themselves, this policy would then respond.

Event Liability Insurance will also pay for your legal defence costs and any potential settlements or damages paid to a suing party if negligence is proven.

Why do we recommend it?
If you or your client’s Commercial General Liability does not extend to cover an event, consider implementing this short-term policy.

EXHIBITORS (BOOTH) LIABILITY INSURANCE

What is it?
Exhibitors Liability Insurance responds to claims of bodily injury or property damage that occur within an exhibitor’s designated booth during a tradeshow. An additional benefit for exhibitors includes the ability to cover replacement costs for any material that gets damaged or lost in transit. With this policy, organizers and venues are only exposed to damages that occur in common areas outside of the booths. Cost savings are available for exhibitors, depending on how many sign up for this policy per each tradeshow.

OFFICE PROPERTY INSURANCE

What is it?
Property Contents Insurance protects your commercial property from damage or loss and will cover the costs of repairs or replacement for contents, equipment, and furnishings.

Why do we recommend it?
Property Insurance is critical if you have your own business, regardless of the location. Whether you work from home or out of a commercial office, your general liability or homeowner’s policies won’t reimburse you for any damage to your business assets following a break-in, fire, or other disaster.

MEETING ESCROW SERVICES

What is it?
PROLINK—Canada’s Insurance Connection has partnered with Meeting Escrow to help you protect the investment of time and resources you pour into every event from common and not-so-common issues. Because, planning aside, many factors are out of your control before, during, and after an event occurs.

Why do we recommend it?
With Meeting Escrow, you can access:

  • Single Vendor Payment Solutions: Never miss a supplier payment. Make one payment to Meeting Escrow and they will track and manage all payments for your event;
  • Foreign Currency Budget Protection: Protect your budget from unexpected deficits due to foreign currency fluctuations. Trust accounts available in 20 different currencies;
  • Advance Deposit Escrow Protection: All advance supplier payments are deposited to a secure escrow trust account and held until the start of the event.

FREQUENTLY ASKED QUESTIONS

PROFESSIONAL INSURANCE

What does Professional Liability Insurance cover?

In general, Professional Liability Insurance covers you against allegations brought by a third party (i.e., a client) seeking damages resulting from a negligent or wrongful act, error, or omission arising from your profession and within your scope of practice.

What does Commercial General Liability Insurance cover?

Commercial General Liability Insurance covers you in the case of third party injuries and property damage that occurs through your professional activities. It also provides you with insurance for Tenant’s Legal Liability, Employer’s Liability, Voluntary Compensation, Non-Owned Automobile Coverage, and more.

What do I do if I receive a statement of claim?

Once you are aware of an actual or potential claim, report it to PROLINK immediately. Please refrain from making written or oral statements, and do not offer to compensate or admit liability. Taking such actions could interfere in the insurer’s ability to manage the claim.

Click here to see how you can file an insurance claim in 5 steps or less.

When do I need to notify PROLINK with a potential claim?

Please notify PROLINK as soon as you are served with a statement of claim. However, there are other circumstances where you should also contact PROLINK because it could constitute a claim under your Professional Liability policy.

The other circumstances include:

  • A client or their lawyer issues a verbal or written demand for damages (i.e., a letter or email is sent to you);
  • A client or their lawyer makes threatening comments verbally or in writing indicating that they are seeking damages and/or may sue you.
  • You made a mistake in how you rendered your professional services and may have caused harm to a client.

Do I need any other type of insurance if I own or rent an office location?

Yes, you should purchase Commercial General Liability Insurance. Professional Liability Insurance won’t defend you against bodily injury or property damage claims that are related to your premises. You should also consider Property Insurance to protect your office contents.

HOME & AUTO INSURANCE

With PROLINK, you’ll find a solution that fits your needs, your lifestyle, and your budget. Plus, you can access:

Even Better Coverage:

PROLINK represents a wide network of over 30 insurers, so we can offer you a range of solutions and price points. We’ll look at all of the available options and leverage our existing partnerships to demand the best-fit coverage for your needs.

Even Better Advice:

Our team will take the time to understand your unique circumstances, explain your coverage options, and offer genuine, personalized advice to help you manage your exposures.

Even Better Rates:

Our dedicated team of advisors will regularly monitor your account so you don’t have to. If we see your premium going up over time, we’ll proactively search for a better fit to get you the coverage you need and the savings you deserve.

Even Better Service:

Count on PROLINK for any policy changes, proof of insurance requirements, and guidance through the claims process. We will advocate for your needs and answer any questions you have so that you can feel confident in your coverage.

See how much you can save on your Home & Auto Insurance!

HOME & AUTO INSURANCE

With PROLINK, you’ll find a solution that fits your needs, your lifestyle, and your budget. Plus, you can access:

Even Better Coverage:

PROLINK represents a wide network of over 30 insurers, so we can offer you a range of solutions and price points. We’ll look at all of the available options and leverage our existing partnerships to demand the best-fit coverage for your needs.

Even Better Advice:

Our team will take the time to understand your unique circumstances, explain your coverage options, and offer genuine, personalized advice to help you manage your exposures.

Even Better Rates:

Our dedicated team of advisors will regularly monitor your account so you don’t have to. If we see your premium going up over time, we’ll proactively search for a better fit to get you the coverage you need and the savings you deserve.

Even Better Service:

Count on PROLINK for any policy changes, proof of insurance requirements, and guidance through the claims process. We will advocate for your needs and answer any questions you have so that you can feel confident in your coverage.

See how much you can save on your Home & Auto Insurance!

Get Your Free Insurance Quote:

LIFE & HEALTH

PROLINK will take the time to listen, understand your lifestyle, and guide you to the best protection possible.

Health & Dental Insurance

Supplement your primary healthcare and access the care you need, when you need it with coverage for: extended health, dental, vision, medication, massage, chiropractic, physiotherapy, travel insurance, and more.

Disability Insurance

Protect your income if you’re unable to work because of a physical injury or ailment. It doesn’t matter if it’s a temporary or permanent disability; insurance will replace anywhere from 60-85% of your monthly earnings up to a specified time.

Critical Illness Insurance

Prepare for an unexpected illness or injury with a one-time, tax-free, lump sum. Once it’s paid, how you spend it is completely up to you, whether that’s on medicine, home accessibility, or even paying off part of your mortgage.

Life Insurance

Secure a simple, straightforward solution that will help you plan ahead while still guaranteeing protection for your loved ones. If there’s anyone relying on you for income—your children, spouse, ageing parents, or even a business partner—life insurance is worth it.

LIFE & HEALTH

PROLINK will take the time to listen, understand your lifestyle, and guide you to the best protection possible.

Health & Dental Insurance

Supplement your primary healthcare and access the care you need, when you need it with coverage for: extended health, dental, vision, medication, massage, chiropractic, physiotherapy, travel insurance, and more.

Disability Insurance

Protect your income if you’re unable to work because of a physical injury or ailment. It doesn’t matter if it’s a temporary or permanent disability; insurance will replace anywhere from 60-85% of your monthly earnings up to a specified time.

Critical Illness Insurance

Prepare for an unexpected illness or injury with a one-time, tax-free, lump sum. Once it’s paid, how you spend it is completely up to you, whether that’s on medicine, home accessibility, or even paying off part of your mortgage.

Life Insurance

Secure a simple, straightforward solution that will help you plan ahead while still guaranteeing protection for your loved ones. If there’s anyone relying on you for income—your children, spouse, ageing parents, or even a business partner—life insurance is worth it.

CARING CLAIMS

If you’re lucky, you might never have to make a claim against your insurance. But in the event that you do, PROLINK will respond with urgency, empathy, and compassion. Hover over the images below to see contact options.

MON-FRI, 8AM to 5PM

Monday to Friday, 8AM to 5PM

If you have a potential claim, and would like to speak to PROLINK, please contact us directly at 1 800 663 6828. No matter the time of day, be sure to have your policy number and key details of the incident on-hand, including dates, events, and all persons and entities involved.

AFTER HOURS, WEEKENDS, HOLIDAYS

After Hours, Weekends, Holidays

Connect with our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677, or contact your insurer directly and they’ll loop us in. To find your insurer’s claims department, simply open your policy wording.

If your claim is related to Professional Insurance, we strongly recommend that you wait to notify your PROLINK Account Manager during regular office hours.

MON-FRI, 8AM to 5PM

Monday to Friday, 8AM to 5PM

If you have a potential claim, and would like to speak to PROLINK, please contact us directly at 1 800 663 6828. No matter the time of day, be sure to have your policy number and key details of the incident on-hand, including dates, events, and all persons and entities involved.

AFTER HOURS, WEEKENDS, HOLIDAYS

After Hours, Weekends, Holidays

Connect with our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677, or contact your insurer directly and they’ll loop us in. To find your insurer’s claims department, simply open your policy wording.

If your claim is related to Professional Insurance, we strongly recommend that you wait to notify your PROLINK Account Manager during regular office hours.

WHAT OUR CLIENTS ARE SAYING

WHAT OUR CLIENTS ARE SAYING

RISK MANAGEMENT ADVICE

For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.

RISK MANAGEMENT ADVICE

For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.

GET IN TOUCH

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or send us an email below:

GET IN TOUCH

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or send us an email below:


    Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits


      Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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