Frequently asked questions
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 1 day prior to the event date.
Will event insurance cover us if the weather forces us to postpone or cancel our event?
Yes. Coverage is provided if weather conditions are extreme enough to prevent the honoree or majority of guests from attending your event.
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.
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 provide coverage, as long as illness is not due to a pre-existing medical condition.
Will event insurance cover the gifts I may receive at my event?
Yes. Gifts that are lost or damaged seven days prior to and seven days after the event are 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?
Yes, our event cancellation insurance coverage provides protection for special attire that is lost, stolen, or damaged before the event. Some exclusions apply.
Are events held outside of the United States covered?
Yes. 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Does your event insurance provide coverage if military leave is withdrawn?
Yes. If 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, we provide coverage.
What happens if my photographer loses my photos? Is that covered?
Yes, our event cancellation policy provides protection if your film or digital files are lost or damaged before you take possession of them. The policy does not cover photographer error such as under or overexposure.
How do I file a claim?
Call 800-388-0169 or visit our events claim page to begin the process. All claims should be reported as soon as possible to avoid delays in processing. Claims regarding theft should be reported to police immediately. If paperwork and documentation are submitted along with your claim, you should expect a prompt turnaround.
Do you have a sample policy?
Yes, please see the links below. Policy documents displayed here are samples and are for general information only. There may be variations as required by your state. Please refer to your policy documents received upon purchase for provisions applicable to your policy.
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