Haunted houses are all about controlled chaos—jump scares, strobe lights, creepy corridors, and unexpected frights. But with every twist and turn comes a new risk for injury or property damage. Just one slip, trip, or allergic reaction could leave you facing costly lawsuits or medical bills.
Slip, Trip, and Fall Injuries: Dim lighting, fog, and startled guests can all lead to accidents.
Property Damage: Props, decorations, or fog machines can damage the venue.
Volunteer and Actor Injuries: Staff in costume may be hurt during performances.
Fire Hazards: Electrical decorations and extension cords add risk.
Food and Beverage Liability: Allergic reactions or foodborne illness.
Crowd Control Issues: Overcrowding or panic situations can lead to injuries.
Special Effects Hazards: Pyrotechnics or animatronics can malfunction.
Each Halloween, insurance brokers across Canada see a spike in claims tied to haunted house events—ranging from minor injuries to major property losses.
Event insurance is a specialized policy designed to protect organizers from financial losses due to accidents, injuries, or property damage during a specific event. For haunted houses, this coverage is more than a box to check—it’s your safety net if things go wrong.
Protects personal and business assets
Meets venue requirements
Safeguards your reputation
Provides peace of mind so you can focus on delivering scares
Coverage: General Liability Insurance protects against bodily injury claims, medical expenses, and legal fees.
Coverage: Property Damage Liability covers damage to venues or rented equipment.
Coverage: Participant Accident Insurance helps with medical costs for actors and helpers.
Coverage: Protects against claims from foodborne illness or allergic reactions.
Coverage: Liquor Liability Insurance is required if alcohol is served.
Coverage: Event Cancellation Insurance reimburses you for lost revenue or expenses.
Coverage: Special endorsements can cover risks tied to fog machines, pyrotechnics, or animatronics.
General Liability Insurance – Guest injuries & property damage
Participant Accident Insurance – Volunteer & staff medical coverage
Property/Equipment Insurance – Props, decorations, electronics, sound systems
Liquor Liability Insurance – If alcohol is served at your haunted house
Event Cancellation Insurance – Protects against weather, power outages, venue issues
Special Endorsements – For unique effects or high-risk scare zones
Insurance is essential, but prevention is always better than a claim.
Inspect the venue for hazards
Train your team on safety protocols
Limit occupancy with timed entry
Use clear signage for risks (fog, strobe lights, uneven floors)
Keep records of training and incidents
Comply with local bylaws and fire codes
Communicate risks with your insurance broker
How much does haunted house insurance cost in Canada?
It depends on event size, number of guests, and location. AIM Insurance can provide a tailored quote.
Is event insurance required by law?
Not always, but most venues and municipalities require proof of insurance.
Can I host a haunted house at my home?
Home insurance usually excludes commercial/public events. If you charge admission, you’ll need a separate event policy.
Expert guidance – Right coverage, no more and no less
Fast, friendly service – Quick response by phone, email, or social
Local knowledge – Offices in Burlington, Brampton, Dunnville, Midland, Edmonton, Calgary, and Moncton
Claims support – Dedicated help when you need it most
Flexible coverage – One-time or seasonal haunted house insurance
Don’t let a liability claim haunt your Halloween. If you’re planning a haunted house in Ontario, Alberta, or Atlantic Canada, talk to AIM Insurance about haunted house event insurance in Canada tailored to your needs.
📞 Call us today at 877-AIM-4TMW
🌐 Visit: theaim.ca
