• 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

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.

Postponement/Cancellation

• 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

• 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.

Jewelry

• 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.