Greg shares tips on event liability in this episode of Ask The Expert. 800 CHAB radio presents Ask the Expert with Greg Marcyniuk of Heritage Insurance located in Moose Jaw.
Here's a full transcript of the episode.
Rob Carnie: Getting ready for the holiday season, and that's going to mean getting together with family and friends and co-workers, holiday season parties. And if you're hosting, you should make sure you're insured. And here to tell us about that is Greg Marcyniuk, our insurance expert at Heritage Insurance in Moose Jaw. Greg, we've talked about this before, so important that you cover your butt.
Greg Marcyniuk: That's correct, Rob. And if you're going to be serving alcohol, you should make sure that your employees and yourself are properly taken care of and they're kept safe. You know, worries that you should be, harassment or employee fatalities as well. They often, you know, come along, and being married can sometimes mean crossing the line, ranging from offending a co-worker to violating the law.
And also in today's real social media, like, as far as it being real-time environment, drunken shenanigans holiday party can quickly be posted online, worldwide to see. So you should take a couple of things in action prior to the holiday party, reminding the employees to respect professionalism and as well, not only at work time, but any sort of company-related sponsor event, such as an office party.
And also you should try and establish a social media protocol for your employees, so that during and after the party, that anything that is posted on social media, you should actually approve it first and foremost. And a second major is the legal liability is created by drunk driving following an employer-sponsored, you know, party.
And if that employee either kills someone or hurts themselves or others, you can be liable. Now, when you're organizing an event like this, I know you've got everything else that you're trying to put together, and the furthest thing from your mind typically is insurance. But it's so important that you acquire event liability insurance. And without acquiring this kind of insurance, Rob, you could be exposing yourself and your company to a lawsuit should something go wrong.
And not is it only a problem for your company, but it could seriously impact your company's revenue and impact in your income, and also putting those closest to you in danger. Event liability insurance provides you with coverage you need in the event a lawsuit does arise from something, even with or without alcohol being served.
It's just the right way to protect your own self and ensure that even if something does go wrong, it's not going to seriously prevent you from hosting similar events in the future. So just a word of thought. Just come out, get some insurance in place so that you are taken care of.
Rob Carnie: Event liability insurance. So if I'm having one event, can I buy an insurance policy that'll cover me for a Saturday night?
Greg Marcyniuk: That's correct. And that's what we do recommend for any event off-premise that you have there, you've got it in place and you will be protected.
Rob Carnie: Awesome, reasonably priced?
Greg Marcyniuk: It's very reasonably priced, and it gives you a... the biggest thing is the peace of mind with it as well.
Rob Carnie: Event liability insurance. If you're hosting a party this holiday season, you might consider it and you might drop into Heritage Insurance and get it there. How do we get in touch with you, Greg?
Greg Marcyniuk: You can check us out online at nohassleinsurance.ca, or come on the corner of Fairford and 1st NW and see any of our fine people here in the office.
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