> About > Why Private Event Insurance

Have you ever had a sleepless night worrying about what could go wrong?

The Protector Plan® for Events is private event insurance that provides cancellation postponement coverage and other coverages to cover your investment, with an option to add liability coverage with no deductible, for many of things that could go wrong – that are beyond your control.

No Dress

You can get repair or replacement cost if the honorees event attire is lost or damaged

Lost Deposits

We can reimburse your deposit if a vendor goes out of business, declares bankruptcy before your event, or simply fails to show up.

Lost Jewelry

You can receive repair or replacement cost if the honorees event jewelry is lost or damaged.

Severe Weather
If severe weather (such as a hurricane) forces you to postpone your event, we can provide reimbursement for non-recoverable expenses.
Transportation Shutdown
If you have to postpone your event because a commercial transportation shutdown prevents the honorees, parents, grandparents or children from getting there, you can receive reimbursement for non-recoverable expenses.
Ruined Photos
If your photographer’s film is defective, or negatives are lost or damaged, we can help reconvene your event party to take new photos or video.
Call to Duty

If the honoree is unexpectedly called up to duty, or her or his military or service leave is revoked, forcing you to postpone the event, we can provide reimbursement for non-recoverable expenses.

Damaged Gifts
You can get repair or replacement cost if your event gifts are damaged.
Sudden Illness
If the event needs to be postponed because sudden illness prevents the honorees, parents, grandparents or children from attending, you can receive reimbursement for non-recoverable expenses.
Venue Requires Insurance

As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property. There is no additional cost for additional insured.

Additional Expense

If a vendor suddenly becomes unavailable for your event but you can find a last-minute replacement, we can reimburse you for the difference in cost, up to 25% of the original contract price.