Wedding & Special Event Insurance

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Special Events Are for Special Memories

There are few events that go exactly to plan. As the host, you’ll want to consider protection against the financial risk and liability you’re exposed to when you throw a big bash. We’ll work with you to determine the coverage you need.1

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Fundamental Coverages in Most Special Events Policies

Cancellation/Postponement Coverage

This coverage reimburses you for loss of deposit funds for things like venue, catering, travel, and reprinting of invitations.

Additional Expenses

If a vendor cancels last minute and you are forced to hire a replacement at a higher price, this coverage will reimburse you for a difference of up to 25% of the original contract price.

Photography & Videographer Expenses

If your event photographer or videographer fails to show or has defective equipment and the event needs to be reconvened, this coverage will reimburse you.

Event Gifts

This coverage reimburses you in the event that gifts are damaged while on display and need to be repaired or replaced.

Special Attire

If the special attire rented or purchased specifically for the wedding party is lost or damaged while traveling to the event, this coverage will reimburse those expenses.

Special Jewelry

Like Special Attire, this coverage reimburses you for lost or damaged jewelry purchased or rented specifically for the event by the wedding party. Coverage is usually provided up to seven days prior to the event.

Liability Coverage

This is typically required by the venue and pays for bodily injury, property damage and personal injury for a third party attendee.

Liquor Liability Coverage

If alcohol is served at the event, the venue may also require this coverage. It covers you and your immediate family for damages caused by a third-party, alcohol-related accident at the event. This coverage can only be purchased if Liability Coverage is purchased.

It’s important to discuss your needs with a Workers Insurance agent before purchasing special events insurance so they can help you determine what you need.


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¹Coverage varies by carrier. Products offered by Workers Insurance Agency and Affiliated Companies. Coverage is subject to eligibility and availability. Other terms, conditions, and exclusions may apply. Insurance products available through Workers Insurance Agency, a CUSO of Workers Credit Union are: NOT A DEPOSIT NOT INSURED, NOT NCUA INSURED, NOT MSIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT INSURED OR GUARANTEED BY THE CREDIT UNION OR AFFLIATES. MAY LOSE VALUE. SUBJECT TO INVESTMENT RISK INCLUDING POSSIBLE LOSS OF PRINCIPAL INVESTED.