Event Insurance Coverage Details – Special Attire

See Full Event Cancellation / Postponement Plus Insurance Sample Policy

Coverage A: Event Cancellation Coverage B: Extra Expense
Coverage C: Event Photographs and Video Coverage D: Event Gifts
Coverage E: Special Attire Coverage F: Special Jewelry
Coverage G: Loss of Deposits Coverage H: Professional Counseling

Coverage E: Special Attire

We will indemnify you, in excess of the deductible, for:

  1. Loss or damage to special attire occurring prior to the event. We will pay at our option:

    1. The cost of replacement for lost or stolen special attire of equal value;
    2. The cost to repair damaged special attire not to exceed the original cost of the special attire; or
    3. The cost of any necessary special attire rental charges if replacement or repair is not possible in time for the event.
  2. Loss or damage to special attire occurring during the event. We will pay at our option:

    1. The cost to repair the special attire; or
    2. The reasonable market value of lost or damaged special attire (taking into account the variance in value between new and used attire), subject to a maximum payment of fifty percent (50%) of the original purchase price.

Coverage E: Exclusions

We will NOT indemnify you for any loss caused directly or indirectly by any of the following:

  1. Theft or attempted theft of special attire that is not reported to the police as soon as reasonably practicable after the discovery of the loss;
  2. Theft or attempted theft of any special attire left in any unattended vehicle unless the vehicle is fully locked and secured and where forcible and visible entry into the vehicle is made.
  3. Damage arising from alterations, wear and tear, moth or vermin;
  4. Damage arising from atmospheric or climactic conditions (other than during the event); or
  5. For special attire not purchased as new, loss or damage caused by any process or cleaning, restoration or repair. The maximum amount we will indemnify you for under Coverage E is the amount stated in the declarations page for “Special Attire”, regardless of the number of claims made under the policy.

The information contained here is for illustrative purposes only and coverage under the Private Event Insurance Program is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. This program is underwritten by Markel American Insurance Company.