Real Event Mishaps

What could possibly go wrong on our special day?

Most of the time, most special events go pretty smoothly. But when something unexpected does go wrong, it can be frightening how quickly the costs can add up.

When you've lovingly planned every detail and budgeted down to the last penny, even a relatively small loss can feel devastating, while a large loss or liability claim can bring true financial disaster.

Private Event Insurance helps protect your celebration from the financial consequences of mishaps large and small. These are just a few examples of customers who experienced unforeseen problems – and were able to recover from significant financial losses thanks to their insurance policies.

Why would we ever cancel or postpone our event?

  • Ten inches of rain fell in Virginia, State Highway 10 was closed and attendees could not get to the venue.
    Amount Reimbursed Event Cancellation coverage – Event Cancellation / Postponement Plus: $25,000
  • Insured experienced chest pains and went to hospital. Newly diagnosed heart condition forced him to postpone.
    Amount Reimbursed through Event Cancellation coverage – Event Cancellation / Postponement Plus:. $28,907.45

Venues never fall through, do they?

  • Venue originally expected to open in time, but construction completion date was pushed back and event had to be rescheduled.
    Amount Reimbursed through Event Cancellation coverage – Event Cancellation / Postponement Plus: $17,694.87
  • Venue construction prevented event from being held; venue refused to refund deposit.
    Amount Reimbursed through Event Cancellation coverage – Event Cancellation / Postponement Plus: $6,690.95

How much could we lose to a problem vendor?

  • Hair and make-up vendors did not show up – and neither did the customer's deposits.
    Amount Reimbursed through Loss of Deposits coverage –Event Cancellation / Postponement Plus: $2,320
  • Customer received message from the photographer saying he was out of business, would not be attending the event and would not be refunding the deposit.
    Amount Reimbursed through Loss of Deposits coverage – Event Cancellation / Postponement Plus: $1,515

What could possibly happen to my photos?

  • Photographer's camera bag – containing several rolls of event pictures – was stolen during the event.
    Amount Reimbursed through Photographs / Video coverage – Event Cancellation / Postponement Plus: $3,000

What could happen to our gifts?

  • Airline lost luggage containing gifts and attire.
    Amount Reimbursed through Event Gifts & Special Attire coverages – Event Cancellation / Postponement Plus: $4,200
  • Gifts were stolen from trunk of car. 
    Amount Reimbursed through Event Gifts coverage –Event Cancellation / Postponement Plus: $1,088

Do we really need to be concerned about liability and property damage at our event?

  • Hosts held responsible for damaged carpet at reception.
    Claim paid by Property Damage coverage – Liability Insurance: $5,523.81
  • Hosts held responsible for damaged table top and other property damages.
    Claim paid by Property Damage coverage – Liability Insurance: $7,000