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Private Event Insurance
After selecting your vendors and submitting your (often non-refundable) deposits, you should consider a Private Event Cancellation Policy to protect your investment. This Policy can protect you against certain types of financial losses you may incur in the event of unpredictable situations during the period leading up to and including your event day.
Here's a schedule of what a Private Event Cancellation Policy will cover (Please click on a coverage area to learn more about that specific covered section).
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| Level |
1 |
2 |
3 |
4 |
5 |
 Cancellation/Postponement
Do you have the financial resources to cover the costs to reschedule your event if an immediate family member (or even one of the honorees) suffers an unforeseen injury or illness before the event -- or Mother Nature makes staging your event on your intended day an impossibility?
The Private Event Cancellation Policy provides reimbursement for non-recoverable expenses incurred because of postponement or cancellation of the event for a covered reason
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$7,500
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$15,000
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$25,000 |
$35,000
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$50,000
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Extra Expense
The Private Event Cancellation Policy will indemnify you for extra expenses not originally contemplated or anticipated that are incurred to avoid an otherwise necessary cancellation or postponement of the event
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$1,500 |
$3,000 |
$5,000 |
$7,000 |
$10,000 |
Event Photographs/Video
Event photographs bring many years of wonderful memories, but what if the film is lost or cannot be developed?
The Private Event Cancellation Policy will financially assist you in reconvening your special event to take replacement photographs if your film or video is lost or damaged before you receive your prints, if it cannot be developed (other than for under or overexposure), or if your photographer does not appear at your event as contracted.
Learn More about this Coverage
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$1,000
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$1,500
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$2,000 |
$2,500
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$3,000
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Event Gifts
What would happen if things got so out of hand on the dance floor that the gift table at your event collapses and your beautiful (and breakable) gifts crash to the floor?
The Private Event Cancellation Policy provides protection for event gifts damaged or lost during the seven days before and after your event while entrusted to someone for safekeeping, or located at the honoree's home, the event site, or in transit between those locations.
Learn More about this Coverage
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$1,000
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$1,500
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$2,000 |
$2,500
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$3,000
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Special Attire
Will it still be a "dream" event if your "dream" attire is damaged, lost, or stolen prior to your wedding?
The Private Event Cancellation Policy will cover the cost to repair damaged attire, replacement costs for lost or stolen attire, or the cost of attire that must be rented if replacement or repair is not possible in time for your event day.
Learn More about this Coverage
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$1,000
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$1,500
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$2,000 |
$2,500
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$3,000
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Special Jewelry
Imagine your perfect day ruined by the theft of your special jewelry. Would you have the means to replace this stolen jewelry?
The Private Event Cancellation Policy will reimburse the cost to replace or repair -you Special Event Jewelry if they are lost or damaged at any time during the seven days before your event.
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$1,000
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$1,500
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$2,000 |
$2,500
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$3,000
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Loss of Deposits
After placing the required substantial deposits with your caterer, venue, band, bridal salon, and other important service providers, what would you do if one of them went out-of-business before your event?
The Private Event Cancellation Policy provides coverage for deposits paid to a provider of goods or services for your event that are not refunded if the provider experiences a cessation of its business.
Learn More About this Coverage
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$1,000
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$1,500
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$2,000 |
$2,500
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$3,000
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Professional Counseling
Events are an emotional experience, but the emotional stress felt when a event is cancelled can be overwhelming.
The Private Event Cancellation Policy provides coverage for professional counseling (if needed) as recommended by a medical physician for the honoree(s) following a cancellation or postponement of the event for any covered cause
Learn More About this Coverage
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$500
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$650
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$750 |
$850
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$1,000
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| One-time premium |
$185
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$245
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$295
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$345
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$405
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Please note that the Private Event Cancellation Policy is limited to the specific policy levels above. The options available are set and cannot be altered. The Private Event Cancellation Policy has a nominal $25.00 deductible for each covered section.
You should purchase event insurance as soon as you start putting down deposits on your event attire, reserving your venue, etc. because you become financially responsible at this point. The Private Event Cancellation Policy can be purchased up to 15 days prior to the event day, but cannot be purchased earlier than 24 months prior to the event day. Coverage commences on the date of purchase and extends to the completion of the event.
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Do you need higher limit coverage? |
How to determine which policy is right for you?
Review the respective coverage limits for policy levels on the table above and select the policy level that is appropriate to your event, taking into account the following two important factors:
- The amount of your total event budget including your financial obligations and non-refundable deposits in the event you must cancel or postpone your event due to a covered reason.
- The amount of your expenses for each of the covered sections, to determine whether a higher policy level is desirable to provide sufficient coverage for a particular covered section (e.g., special attire).
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