Special Event Insurance

Special Event Insurance at HWI Insurance

At HWI Insurance, we understand that hosting a special event—whether it’s a wedding, milestone celebration, or corporate gathering—is a significant and memorable occasion. Planning these events involves countless details, time, and financial investment. While you hope everything goes perfectly, unexpected events can sometimes disrupt even the best-laid plans. That’s where special event insurance comes in—providing peace of mind so you can focus on celebrating, knowing you’re protected from the unexpected.

Event Cancellation or Postponement
If you need to cancel or postpone your event—such as a wedding—due to circumstances beyond your control (like severe weather, sudden illness, or a venue becoming unavailable), this coverage helps reimburse you for lost deposits and non-refundable expenses.

Vendor Issues
If a vendor (such as your caterer, photographer, or florist) fails to show up, goes out of business, or doesn’t deliver as promised, special event insurance can help cover the costs of securing a replacement or recovering lost payments.

Venue Problems
If your chosen venue is suddenly unavailable due to fire, damage, or closure, your policy can help cover the costs of finding a new location and rescheduling your event.

Weather-Related Disruptions
If severe weather (like a hurricane, tornado, or blizzard) forces you to postpone or relocate your event, special event insurance can help cover additional expenses and lost deposits.

Illness or Injury
If a key participant—such as the bride, groom, or an immediate family member—falls seriously ill or is injured before the event, your policy can help reimburse you for rescheduling costs.

Lost or Damaged Attire and Gifts
Coverage for lost, stolen, or damaged event attire (such as a wedding dress or tuxedo) and gifts, ensuring you’re not left with unexpected replacement costs.

Liability and Property Damage
If a guest is injured or property is damaged during your event, liability coverage can help protect you from legal and medical expenses.

Optional Coverages

Liquor Liability: Protection if alcohol is served at your event and an incident occurs.

Honeymoon or Travel Coverage: For weddings, this can include travel insurance for your honeymoon, covering trip cancellations, delays, or lost luggage.

With HWI Insurance, you can celebrate your special event with confidence, knowing you’re protected from the unexpected. Contact us today to learn more about special event insurance and how we can help you safeguard your next big occasion.

Our Approach Why HWI Quote

At HWI Insurance, we make it easy to protect your big day. We’ll walk you through your options, explain what’s covered, and help you choose the right policy for your needs and budget. Our team is always available to answer questions and provide support, so you can plan with confidence.

Our clients appreciate our attention to detail, local expertise, and commitment to personal service. We understand the emotional and financial investment that goes into planning a wedding, and we’re here to help you protect it.

Don’t let the unexpected spoil your celebration. Contact HWI Insurance today for a free, no-obligation marriage insurance quote. Let us help you safeguard your wedding day—so you can focus on making memories that last a lifetime.