🎪 Event & Wedding Insurance

Your big day.
Fully protected.

Venues cancel. Vendors disappear. Weather happens. Event insurance protects your investment when the unexpected threatens your most important moments.

✓ Cancellation Coverage✓ Vendor Failure✓ Liability Coverage✓ Same-Day Available

Specialty Carriers We Work With

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✦ Free & No Obligation

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Why It Matters

Coverage built for
what you actually own.

💒

Cancellation & Postponement

If your event must be cancelled or postponed due to illness, venue closure, extreme weather, or military deployment — cancellation coverage reimburses non-refundable deposits and prepaid costs up to your policy limit.

🎊

$500+

Average non-refundable wedding deposit — event insurance protects every one

👤

Event Liability

If a guest is injured at your event, or property is damaged, liability coverage protects you. Many venues require a minimum liability certificate — we can have that ready for you quickly.

🚫

Vendor Failure

Photographer no-shows. Caterer cancels. DJ goes out of business. Vendor failure coverage reimburses you when a contracted vendor fails to appear or perform.

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Same-Day Coverage Available

Need coverage this week? Many event policies can be quoted and bound within 24–48 hours. The sooner you purchase, the broader the cancellation triggers available to you.

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Coverage Breakdown

What your policy
actually covers.

Coverage Type	What It Covers	Status
Cancellation / Postponement	Reimburses non-refundable costs if event must be cancelled	Core Coverage
Event Liability	Covers injuries to guests and property damage at the event	Core Coverage
Vendor Failure	Reimburses costs when a vendor fails to deliver contracted services	Recommended
Liquor Liability	Additional coverage if alcohol is served at your event	Strongly Advised
Lost Deposits	Protects your deposits if a venue or vendor goes out of business	Optional Add-On
Special Items	Wedding attire, gifts, rings, and photography equipment	Optional Add-On

Client Stories

Real people.
Real coverage that paid off.

★★★★★

Saved $8,400

"Our venue had a water main break 3 days before the wedding. We were fully reimbursed for the venue deposit, catering deposit, and rescheduling costs. We couldn't have survived financially without it."

Amanda & Luis

Wedding Clients · Pasadena

★★★★★

Always use CoverGuard

"I run a corporate events business and CoverGuard handles all my event policies. Fast turnaround, competitive rates, and they understand what event planners need."

Jennifer T.

Corporate Event Planner

FAQ

Your questions,
answered.

Can I get event insurance for a party next week? +

Often yes — many policies can be bound within 24–48 hours. However, cancellation coverage for known risks (a storm already forming, a vendor already expressing concerns) may be excluded. Purchase as early as possible for broadest coverage.

Does my homeowners insurance cover events at my home? +

Your homeowners liability may provide limited coverage for events at your property. However, it typically has low limits and excludes alcohol-related claims. A standalone event policy provides much higher limits and broader coverage.

What events can be insured? +

Weddings, anniversary parties, birthday parties, retirement parties, corporate events, graduations, galas, reunions, and most private and semi-public events. Festivals and large public events have more complex needs — ask us.

How much does event insurance cost? +

A basic wedding liability policy can start around $75–$150. A comprehensive policy with cancellation coverage for a $30,000 wedding typically runs $300–$600. Corporate event policies vary based on attendance and duration.

Your big day.Fully protected.