Event Insurance Claims Examples: Real Event Mishaps

What could possibly go wrong on our special day?

Most of the time, most special events go pretty smoothly. But when something unexpected does go wrong, it can be frightening how quickly the costs can add up.

When you've lovingly planned every detail and budgeted down to the last penny, even a relatively small loss can feel devastating, while a large loss or liability claim can bring true financial disaster.

Private Event Insurance helps protect your celebration from the financial consequences of mishaps large and small. These are just a few examples of customers who experienced unforeseen problems – and were able to recover from significant financial losses thanks to their insurance policies.

Why would we ever cancel or postpone our event?

• Ten inches of rain fell, State Highway closed and attendees could not get to the venue.
  Amount Reimbursed Event Cancellation coverage –  $25,000

• Insured experienced chest pains and went to hospital. Newly diagnosed heart condition forced him to postpone.
  Amount Reimbursed through Event Cancellation coverage –  $28,907.45

Venues never fall through, do they?

• Venue originally expected to open in time, but construction completion date was pushed back and event had to be rescheduled.
  Amount Reimbursed through Event Cancellation coverage – $17,694.87

• Venue construction prevented event from being held; venue refused to refund deposit.
  Amount Reimbursed through Event Cancellation coverage – $6,690.95

Do we really need to be concerned about liability and property damage at our event?

• Hosts held responsible for damaged carpet at reception.
  Claim paid by Property Damage coverage – $5,523.81

• A guest was injured in a fall on a slippery floor.
  Claim paid by Liability coverage – $2,500

• A guest moved antique dining table and two table legs cracked.
  Claim paid by Property Damage coverage – $1,865

• A guest moved antique dining table and two table legs cracked.
  Claim paid by Property Damage coverage – $1,865

• A guest moved antique dining table and two table legs cracked.
  Claim paid by Property Damage coverage – $1,865

• Hosts held responsible for damaged table top and other property damages.
  Claim paid by Property Damage coverage – $7,000