Designed for:
  • Anniversaries
  • Baby Showers
  • Baptisms
  • Bar mitzvahs
  • Bat mitzvahs
  • Birthday Party
  • Confirmations
  • Engagement Party
  • Family Reunions
  • House Warming
  • Ordinations
  • Quinceaneras
  • Retirement Party
  • Sweet Sixteen Party
  • Wedding Shower
This program is intended for private invitation-only, non-business, non-profit related activities listed above. Businesses can not purchase this policy, only individuals can. If you need a policy in your business name, please see our Special Events Insurance Program here:

Policy Includes:

  • Personal Liability-$2,000,000 Aggregate /$1,000,000 Per Occurrence Limit. Injury to guests or damage to sites.

Options Available for Additional Premium:

  • Postponement/Cancellation-Injury to Honoree, severe weather, damage to site, etc.
  • Additional Expense-For additional expenses necessary to arrange alternate services to avoid a covered postponement of the event.
  • Photographs & Video-Film lost, damaged, stolen or not properly developed. Photographer fails to appear. This coverage allows you to reunite the party guests for a re-shoot.
  • Gifts-To repair or replace non-monetary gifts which are lost, stolen or damaged.
  • Loss of Deposits- Lost deposits that you have paid if they become non-refundable as a direct result of anyone hired to provide goods or services going out of business.
  • Special Attire -To repair or replace when it is lost stolen or damaged, including financial failure of the store.
  • Jewelry To repair or replace owned, borrowed or rented jewelry that is lost stolen or damaged.
  • Excess Liability- $2,000,000 Per Occurrence

Here are some examples of claims that are covered under the various coverage options of our Private Celebration Insurance package policy:

Claim Examples:

Personal Liability

  • A guest slips and falls.
  • A guest has too much to drink and injures himself or others.
  • The reception site is damaged when the caterer accidentally causes a small fire.


  • Honoree, or others crucial to the celebration are unable to attend due to illness or injury.
  • Extreme bad weather prevents the celebration from taking place or a majority of the guests from attending.
  • The caterer doesn't arrive with the food.
  • The site is damaged.
  • The site closes due to financial failure.

Photographs & Video

  • The photographer fails to show.
  • The film used for your photos is defective, or the negatives are lost, destroyed, or improperly developed.


  • Gifts are stolen.
  • While being transported, the gifts are damaged in a car accident.

Loss of Deposits

  • The ceremony or reception site goes out of business.
  • The honeymoon cruise operators goes out of business.
  • Your dressmaker, or limousine company, or caterer, or hotel, or entertainer, or photographer, etc. goes out of business.

Special Attire

  • A rented tuxedo is lost while being carried home after a fitting.


  • A rented gold watch is misplaced
  • A borrowed diamond necklace to be worn by the bride is lost.

Program Features:

  • $2,000,000 Aggregate / 1,000,000 Per Occurrence Liability Limit (Higher limits available upon request).
  • Host Liquor Liability.
  • No charge for Additional Insureds.
  • Property Damage to the rented site included.
  • Admitted insurance carrier rated A.
  • Available in all states. Premiums in Vermont and Connecticut may be higher.
  • Flexible coverage options.
  • Unless you apply at least 30 days in advance of your event, rates & coverage may differ.
  • Once quoted, your premium must reach us at least 14 days prior to the start of your policy.

Notable Exclusions:

  • Motorized Vehicles
  • Postponement / Cancellation due to weather if policy is purchased less than 15 days prior to the celebration date.
  • Owned or rented property/equipment. Call us for a quote.

If you are a photographer, caterer, band or decor company and are looking for your own liability insurance, please see here

Premium Examples :

Personal Liability $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Postponement/Cancellation None $2,500 $5,000 $10,000 $20,000
Photographs None $1,000 $2,500 $5,000 $10,000
Gifts None $1,000 $2,500 $5,000 $10,000 
Loss of Deposits None $1,000  $2,500 $5,000  $10,000 
Special Attire None $1,000 $2,500 $5,000 $10,000 
Jewelry None $1,000 $2,500 $5,000 $10,000 
 Total Cost: $220 $245 $306 $402 $554

Premiums shown are examples only. You can customize all limits to fit your event's needs.
All property related claims are subject to a deductible of $25 each.
The Personal Liability coverage has a $1,000 Property Damage Liability deductible.

All premiums shown include a $125 broker fee.

View Sample Quote
View Sample Policy

How to Apply:

  1. Click on the Apply Online Button below, complete and submit our application.
  2. Normally within 1 business day, we will email or fax you a written quotation.
  3. Remit payment and your Certificate of Insurance will be delivered via email or fax.
Last Updated: October 15, 2009