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What's event insurance?

Event insurance, also known as special event insurance, one-day insurance and wedding insurance, helps protect you from financial losses you may experience because of circumstances beyond your control. Basic coverages include:

Event Liability

Help protect yourself if you're responsible for property damage or injuries at the event. Coverage may include:See NoteSee note1

  • Bodily injury and property damage up to $1 million per occurrence and $2 million total.

  • Host liquor liability insurance for alcohol-related occurrences.

Event Cancellation

Help protect yourself from lost deposits and nonrefundable fees. Event insurance may help in the following unexpected circumstances:See NoteSee note1

What events are covered by one-day insurance?

Event insurance, also known as one-day insurance, helps cover many types of special events. Consider this coverage when you're planning the following events and more:

  • Weddings and wedding receptions

  • Quinceañeras

  • Birthday, retirement and anniversary parties

  • Corporate dinners and meetings

  • Family reunions

  • Fundraisers

  • Bar mitzvahs, bat mitzvahs and other religious gatherings

  • Nonprofit functions

What does wedding insurance cover?

You can't control everything on your wedding day, but you can have peace of mind with wedding insurance. It allows you to put safeguards in place in case something unexpected happens.

For example, your venue suddenly declares bankruptcy and closes just weeks before your event. Your cancellation coverage could save you thousands.

Or you accidentally knock over and break a statue at the venue while you're cleaning up after the event. Your event policy could help cover the cost of the damage.

How much is event insurance?

The cost of event liability insurance can range from $75 to $235, depending on the coverage limits and options you choose. Liability limits start at $500,000, and you can choose to exclude liquor liability coverage if there is no alcohol at your event.

Event cancellation insurance costs as low as $130. This is based on cancellation or postponement coverage, which starts at $7,500. Your event budget determines the cost of your coverage, so you can customize it to your needs.

Expect exceptional service.

We can offer a great mix of pricing and service because of our alliance with a leading special event insurance provider, Markel. We've worked with Markel since 2007, and their dedicated teams are ready to help make sure you receive a similar level of service you expect from USAA.

Event insurance FAQ

If the guest of honor is full-time or active-duty military and must postpone the event due to withdrawal of a previously granted leave or unforeseen deployment, the insurer may provide coverage.

The insurer may also provide coverage if the guest of honor is on the police force or in the fire department and loses their leave.

More coverage, discounts and advice

More event information

To speak with a representative about event insurance, call our valued alliance carrier, Markel, at 800-388-0169.