• Anniversaries
• Baby Showers
• Baptisms
• Bar mitzvahs
• Bat mitzvahs
• Birthdays
• Confirmations
• Graduations
• Ordinations

Package Policy Includes:

• Personal Liability-$2,000,000 Aggregate /$1,000,000 Per Occurrence Limit. Injury to guests or damage to sites.
• Postponement/Cancellation-$3,000 Limit. Injury to Honoree, severe weather, damage to site, etc.
• Additional Expense-(An additional 25% of Postponement limit) For additional expenses necessary to arrange alternate services to avoid a covered postponement of the event.
• Photographs & Video-$1,000 Limit. 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-$1,000 Limit. To repair or replace non-monetary gifts which are lost, stolen or damaged.
• Loss of Deposits-$1,000 Limit. 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 -$1,000 Limit. To repair or replace when it is lost stolen or damaged, including financial failure of the store.
• Jewelry-Owned, Rented or Borrowed -$1,000 Limit. To repair or replace owned, borrowed or rented jewelry that is lost stolen or damaged.

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).
• $3,000 Postponement 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.