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Private Event Insurance FAQs

Who can purchase private event insurance?

Residents of U.S. may purchase coverage. The Insured/Policyholder must be at least 18 years of age. An honoree will always be defined as an insured on the policy but may or may not be the named insured. The named insured can be either one of the honorees or someone such as a parent or other family member that has a financial stake in the event.

Please note: The Protector Plan® for Events is currently not available to residents of Alaska, Hawaii and Louisiana.

Why should I purchase private event insurance?

Should you experience a covered loss, your non-recoverable costs can be as much, if not more, than the cost of an automobile. The quality of your event may depend upon your decision to insure against financial loss. For example, you buy insurance to provide a replacement automobile against unfortunate mishaps. Why not protect your event like you would your other valuable investments?

For examples of possible event-day disasters see Why Private Event Insurance.

Can I view a sample policy?

Yes, you can view a sample policy specific to your state. View Sample Policy.

What does the basic policy insure?

The basic policy (Core Coverage) can reimburse you in case you lose your non-recoverable deposits and purchases if covered circumstances beyond your control cause you to cancel or postpone your event. You can also be protected against no-show or bankrupt vendors, damage to event attire, damaged gifts, and much more.

Does the Private Event Insurance cover “Change of Heart”?
The Private Event Insurance Policy does not provide coverage in the event that the honoree(s) changes their mind and does not want to proceed with the event.
Why might I choose Travelers private event insurance over another plan?
The Protector Plan® for Events, through Travelers, offers several advantages that other policies may not.

No deductibles
If you have a claim, covered losses are paid from the first dollar up to the applicable limit.

Fair price
Shop around. You will find the Protector Plan® for Events premium compares with other policies.

Easy application
You can apply in a matter of minutes and have your policy via email. (Quote/Buy Online)

Trusted source
You have a nationally known and respected insurer, Travelers, standing behind your policy. Check out Travelers.com.

What if I have already signed contracts and put down deposits for the wedding? Will those be covered?
Yes, deposits you have already made will typically be covered as long as there is no impending claim or existing claim situation that you have knowledge of when you purchase the policy.
How much Private Event Insurance do I need?

It is recommended that you choose a coverage level equal to the amount you would stand to lose in a worst-case scenario if you were forced to reschedule your event at the last minute. Consider costs and deposits of venue, honoree event attire, special jewelry, caterers, entertainment, flowers, cake, invitations, even postage, etc. Protector Plan for Events Quick Quote.

I live in one state, but, my event will be in a different state. What state do I choose for a quote?

You should select the state in which you reside.

Please note: The Protector Plan® for Events is currently not available to residents of Alaska, Hawaii and Louisiana.

Many people are helping to pay for the event. Will their deposits be protected?
Deposits of the honoree(s) and their “immediate family” could be covered. “Immediate family” is defined in the Special Provisions as the parents, children, and grandparents of an honoree who has paid for or contracted to pay for any item, service, or location covered under the policy.

It is important to keep all receipts and contracts in case you must file a claim.

Is there coverage if the honoree(s) cannot make the event due to a transportation shutdown?

If you have to postpone your event because a commercial transportation shutdown prevents the honorees, parents, grandparents or children of the honorees from getting to the event. There are coverage options that include reimbursement for non-recoverable expenses.

Does private event insurance provide coverage for illness or injury to the honoree?
Yes. Coverage will apply if there is an unexpected illness, injury or death that prevents the appearance of the honorees, parents, grandparents and children of the honorees. Refer to the policy for full details regarding exclusion of coverage with respect to pre-existing conditions.
The honoree is in the military? What if he/she is called up right before the event?
If circumstances beyond your control (for example, an unforeseen deployment or withdrawal of leave) cause you to postpone your event, we can provide reimbursement for non-recoverable expenses.
Am I covered in case of bad weather on my event day?
The Protector Plan® for Events makes a distinction between a rainy day and truly severe or catastrophic weather, such as a hurricane. If catastrophic weather causes you to postpone the event, we can provide reimbursement for non-recoverable expenses.
When should I buy private event insurance?

Coverage can be purchased as early as two years before your event day and as late as 24 hours before your event. We recommend you purchase coverage as soon as you begin making deposits and purchases for this event. Purchases already made can be covered provided you have receipts for them, and you did not know of any impending or existing claim situations when you purchased insurance.

Can I purchase private event insurance for events outside the U.S.?
Yes. You can purchase coverage for locations in U.S. and its territories and possessions, Puerto Rico, Canada, United Kingdom, Bermuda, the Bahamas, Turks, Caicos, the Caribbean Islands (excluding Cuba & Haiti) and cruise ships leaving from a port within these territories. There is no additional cost for these locations.
How do I purchase a policy?
Buying a Private Event insurance policy is as easy as…

  1. Choose your coverage.
  2. Fill in your information.
  3. Pay online via credit card.

You’ll recieve a confirmation email to view and print out your policy.

Protector Plan® for Events Quick Quote

How will I receive my private event insurance policy?
Upon purchase, your policy will be emailed to the email addresses you entered in the application.
What is the refund policy for the Protector Plan® for Events private event insurance policy?

Policy premium, taxes, and any other charges are fully earned once the policy is issued with exception of residents of New Hampshire, New York and Oregon.

What does liability insurance cover?

Liability Insurance is an optional coverage that can provide coverage for bodily injury, property damage, and personal injuries to third parties at the location of your event. You also have the option to include liquor liability coverage, which protects you from alcohol related suits brought as a result of an intoxicated guest who was served alcohol at an event you hosted. You may add your venue(s) as additional insured at no additional cost.

What does the liquor insurance cover?

Liquor liability coverage may be added to the liability coverage you purchase for a nominal fee. Liquor liability coverage is designed to protect you and your immediate family against alcohol-related accidents. For example, if an accident is caused by an intoxicated guest at the event site, that could result in liability for you. Liquor liability coverage is available up to the liability limit on the policy.

Does the Protector Plan® for Events insurance have a deductible?

No, there is no deductible with this insurance coverage.

My venue requires me to show proof of liability insurance for my event. Is Private Event Liability Insurance appropriate for this?
Yes, the liability endorsement on the private event policy will allow you to name your venue as additional insured at no additional cost.
My venue requires special wording for the Additional Insured. Is this acceptable?
In most cases special wording is not a problem; however, it is recommended you call our customer service line for assistance or email us with the specific language required so we can determine if it is acceptable.
Can I add my other event vendors to my policy, such as my band or DJ?
No, the Protector Plan® for Events offers coverage for the Named Insured and the Honorees. The venue is the only entity that can be added as an Additional Insured.
My event is running past midnight. How long do I have liability coverage?

The liability portion of your policy remains in force until 2 a.m. local time the morning following your insured event date.

How do I make a claim?

If you have a claim, simply report your claim online with your policy number or call Travelers toll-free claim service number 1-800-CLAIM33 (1-800-252-4633). Travelers claim representatives will guide you every step of the way.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to individuals meeting our underwriting criteria and state availability.

Total Cost of a Protector Plan® for Events Policy

So much has been invested in planning your event, but what happens if something goes wrong?
Learn more about event disasters.