Event insurance

When should I purchase event insurance?
It’s a good idea to purchase a policy as soon as you begin to pay deposits. Caterers, photographers and other vendors usually require a significant non-refundable deposit up-front with the remainder due by the day of the event. Our event cancellation coverage can be purchased up to 14 days prior to the event date, and our event liability coverage can be purchased up to one day prior to the event date.

For our event cancellation policy to cover extreme weather or acts of nature, as defined in the policy, the policy must have been purchased at least 15 days prior to the anticipated or actual extreme weather that causes the cancellation. It's a good idea to purchase your event cancellation policy at the beginning of the event planning process, as it helps ensure you are protected when a hiccup like covered extreme weather event threatens to disrupt your big day.

Will event insurance cover us if the weather forces us to postpone or cancel our event?
Coverage may be provided if weather conditions are extreme enough to prevent the honoree, the honoree’s immediate family, an active participant in the event or more than half of the guests from attending your event. However, the event cancellation policy must have been purchased at least 15 days in advance of the anticipated or actual extreme weather or act of nature.

Will event insurance cover my hair, make-up, and nails expenses if my event is cancelled or postponed?
Our event cancellation policy may cover the “day of the event” expenses of hair, make-up and nails of the honoree if their event is cancelled or postponed due to a covered circumstance.

What if someone in my family gets sick before the event? Would that be covered?
If an accident or illness prevents the guest of honor or an immediate family member from attending the event, we can provide coverage if illness is not due to a pre-existing medical condition.

Will event insurance cover the gifts I may receive at my event?
Gifts that are lost or damaged seven days prior to and seven days after the event may be covered up to the applicable limit set forth in your policy. There is a $300 limit on cash, checks and gift cards.

Does your event insurance cover special attire purchased specifically for my event?
Our event cancellation insurance can provide coverage for special attire that is lost, stolen or damaged before the event. Some exclusions apply.

Are events held outside of the United States covered?
Cancellation coverage is available for events that are scheduled to take place in (or cruise ships departing from) the United States and territories/possessions, Canada, the United Kingdom, Mexico, the Bahamas, Bermuda and the Caribbean (excluding Cuba). Liability policies are available for events scheduled to take place in (or cruise ships departing from) the United States and territories/possessions and Canada.

Does your event insurance provide coverage if military leave is withdrawn?
Event cancellation insurance may provide coverage for the guest of honor is serving full-time, active duty in the armed forces, police or fire department and must postpone the event due to withdrawal of a previously granted leave or unforeseen deployment.

What happens if my photographer loses my photos? Is that covered?
Our event cancellation policy may provide coverage if your film or digital files are lost or damaged before you take possession of them. The policy does not cover photographer errors such as under or overexposure.

Is there a deductible on event insurance?
Yes. Event cancellation policies have a $25 deductible for each area of coverage. Event liability policies have a $1,000 deductible for property damage.