Special Event Insurance FAQs
Who can purchase Special Event Insurance?
Residents of U.S. may purchase coverage. The Insured/Policyholder must be at least 18 years of age. A 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 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® is currently not available to residents of Alaska, Hawaii, & Louisiana.
Why should I purchase Special Event Insurance?
Should you experience a covered loss, your non-recoverable costs can be as much, if not more, than the cost 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?
Why might I choose Travelers Special Event Insurance over another plan?
The Protector Plan® for Events, from 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 favorably with other policies. Easy application
You can apply in a matter of minutes and have your policy via email. Quote / Buy Online
What does the basic policy insure?
The basic policy 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.
How much Special 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.
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 the case you must file a claim.
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 Special Event Insurance?
Coverage can be purchased as early as 2 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 Special 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, Mexico, Bermuda, the Bahamas, Turks and 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 Special Event insurance policy is as easy as…
1. Choose your coverage.
2. Fill in your information.
3. Pay online via credit card. You’ll receive a confirmation email to view and print out your policy. Private Events Quote
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.
Do I have to buy liability insurance?
Liability coverage is an optional addition to your Protector Plan® for Events. However, you may wish to contact the locations where you will hold your event as they may require you to show proof of liability insurance.
What does the Liquor Liability Insurance cover? 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.
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.