Safe Grad
Hospitality Industry Insurance
Individual Insurance
All Provinces
No
- Commercial General Liability
- General Liability
- Liquor Liability
- Public Liability
- Students and their invited guests of a safe grad event
Product Overview
Safe Grad by PAL Insurance Brokers Canada is a dedicated liability program for supervised after‑grad events held separately from the official school ceremony or banquet. It helps protect organizers from claims alleging bodily injury or property damage linked to the after‑grad party.
The coverage is designed around organized and controlled activities for students and their invited guests, whether the event takes place at a hall, community centre, or other approved venue. It supports parent committees, schools, and grad organizers who need clear protection for a one‑off celebration.
About Safe Grad by PAL Insurance Brokers Canada
Safe Grad by PAL Insurance Brokers Canada offers commercial general liability, public liability, and liquor liability for the after‑grad event. This focus helps address common risks when food, music, and alcohol service come together in a student setting.
The program is available across all Canadian provinces and does not require a broker contract, which makes it easy to place as needed. Coverage for the official graduation ceremony or banquet can instead be arranged under PAL’s Special Events Liability program.
The product page also links to PAL’s own Safe Grad details and application form, which outline underwriting information and process. Brokers can review those resources, then proceed to connect with PAL through the ‘Contact Underwriter for Quote’ option on this page.
Safe Grad by PAL Insurance Brokers Canada FAQs
What types of liability risks does the program focus on for organized after‑grad events?
The program focuses on third‑party liability exposures that can arise from the operations of a supervised after‑grad function. This includes claims alleging bodily injury or property damage that occur during organized activities at the controlled event, rather than at the formal graduation ceremony or banquet.
How can Safe Grad by PAL Insurance Brokers Canada complement existing school or board insurance arrangements for graduation activities?
School or board policies may focus on regular operations and official school events, while Safe Grad addresses the separate after‑grad party. It can sit alongside existing insurance by covering the organized and controlled after‑grad function, while the graduation ceremony or banquet can be placed under PAL’s Special Events Liability program if needed.
Does the program apply only to events with alcohol, or also to alcohol‑free after‑grad parties?
The program includes liquor liability among its listed protections, but it is framed broadly for after‑grad events, not only those with alcohol. Organizers can arrange cover for supervised parties whether alcohol is served or the event is kept alcohol‑free, subject to PAL’s underwriting and event details.
Are students’ invited guests also considered within the class of attendees covered by this PAL Insurance Brokers Canada Safe Grad policy?
The target class described for the product includes students and their invited guests of a safe grad event. Coverage is written around that organized after‑grad function, so the liability focus is on claims from attendees within that defined group, as long as the loss arises out of the event operations.
What basic event details should organizers be prepared to provide when applying for Safe Grad coverage through their broker?
Applications are linked from the product page and are used to set out the operations of the after‑grad event. Organizers should expect to provide core facts, such as the event date and location, estimated attendance, whether alcohol will be served, and how the function will be supervised, so brokers can present a clear risk profile for Safe Grad by PAL Insurance Brokers Canada.
- minors consuming / handling alcohol
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