Individual Insurance

Coverages: Commercial General Liability | General Liability | Event Cancellation | Liquor Liability | Public Liability

PAL's Weddinguard program provides the Liquor Liability coverage that many wedding venues require couples to obtain for their wedding, plus many more financial protections that will give peace of mind in those critical days leading up to the wedding day. Coverages include insurance for cakes, flowers, bridal attire, and much more. Can be applied for up to one year in advance of the wedding.

Coverages: Contents | Property Damage

Protect your engagement ring or wedding ring(s) with PAL Wedding Rings. Feel rest assured that your precious items are protected. This coverage offers annual terms for your engagement ring or wedding band(s) protecting you against the following: Physical loss or damage to engagement ring or wedding band(s). All risk policy subject to the policy wordings. Worldwide Coverage.
Note: Appraisals on Jewellery are REQUIRED prior to providing a quote.

Coverages: Commercial General Liability | General Liability | Liquor Liability | Public Liability

Provides liability protection against possible claims for bodily injury and/or property damage that may arise out of the operations of the AFTER GRAD event. This would be defined as the organized / controlled event (not part of the graduation event itself) for students and their invited guests. If you require coverage for the actual graduation ceremony or banquet/dance, please see our Special Events Liability Program.

Coverages: Commercial General Liability | Liquor Liability | Product Liability | Public Liability

Our Caterer program is designed for Caterers who have been hired by an event host to serve food and or drinks at their social event. Available for Single Events or Annual Terms. Provides coverage in the event that someone gets sick while eating a caterer's food, injures themselves if they trip over a piece of caterer's equipment, or gets scalded by a hot dish that a caterer prepared.

Coverages: Personal Liability

Coverages: Bodily Injury