Wedding & Event Insurance 2017-05-18T15:03:05-05:00

Of All Days … This one must be Perfect!

Today, a wedding is an investment. With the average cost of a wedding now over $26,000, Wedding Insurance is needed more than ever. Obviously you wouldn’t buy a new car that costs that much without insuring it against damage. For as little as $160, a wedding insurance policy can protect your special day from a disaster.

Travelers Wedding Protector Plan® and the Protector Plan for Events® can cover:

  • Cancellation or postponement
  • Lost or damaged Wedding dress
  • Additional expenses
  • Photographers/Videographers
  • Gifts
  • Special jewelry
  • Lost deposits
  • Liability insurance (optional coverage)
  • Liquor liability insurance (optional coverage)
  • Postponement due to family illnesses, untimely deaths, and travel delays
  • Flowers and wedding photography that failed to arrive when promised
  • Bakers, caterers, bridal boutiques, and wedding venues that went out of business
  • No-show photographers and DJs
  • Lost or damaged wedding rings, dresses and attire
  • Damaged wedding cake, spoiled food, and other glitches in catering and entertainment


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Wedding and Event Insurance Insurance FAQ’s:

Residents of U.S. may purchase coverage. The Insured / Policyholder, Bride and Groom must be at least 18 years of age. A honoree will always be defined as an insured on the policy but may or may not be the named insured. The Named Insured can be either of the honorees or someone such as a parent or other family member that has a financial stake in the wedding.
Should you experience a covered loss, your non-recoverable costs can be as much, if not more, than the cost of an automobile. The quality of your wedding day may depend upon your decision to insure against financial loss. For example, you buy insurance to provide a replacement automobile against unfortunate mishaps. Why not protect your wedding like you would your other valuable investments?
Yes, you can view a sample policy specific to your state. Click here to view a sample New York Policy.
The Wedding Protector Plan®, from Travelers offers several advantages that other policies may not. No deductibles – If you have a claim, covered losses are paid from the first dollar up to the applicable limit. Fair price – Shop around. You will find the Wedding Protector Plan® premium compares favorably with other policies. Easy application – You can apply in a matter of minutes and have your policy, via email, very quickly. Agent support – If you care to discuss your needs before you buy, you can contact our office anytime. Trusted source  You have a local Independent Agent at Masterpole Murphy and a nationally known and respected insurer, Travelers, standing behind your policy.
The basic policy (Core Coverage) can reimburse you in case you lose your non-recoverable deposits and purchases if covered circumstances beyond your control cause you to cancel or postpone your wedding. You can also be protected against no-show or bankrupt vendors, damage to wedding attire, damaged gifts and much more.
Yes, deposits you have already made will be covered as long as there is no impending claim or existing claim situation that you have knowledge of when you purchase the policy.
It is recommended that you choose a coverage level equal to the amount you would stand to lose in a worst-case scenario if you were forced to reschedule your wedding at the last minute. Consider costs and deposits of venue, gown, wedding rings, caterers, entertainment, flowers, cake, invitations, even postage, etc.
Deposits of the honoree(s) and their “immediate family” could be covered. “Immediate family” is defined in the Special Provisions of the Policy as the parents, children, and grandparents of an honoree who has paid for or contracted to pay for any item, service or location covered under the policy. It is important to keep all receipts and contracts in the case you have to file a claim.
If you have to cancel or postpone your wedding because a commercial transportation shutdown prevents the honorees, parents, grandparents or children of the honorees from getting to the event, you can receive reimbursement for non-recoverable expenses.
Yes. Coverage will apply if there is an unexpected illness, injury or death that prevents the appearance of the honorees, parents, grandparents and children of the honorees or ceremony officiates. Refer to the policy for full details regarding exclusion of coverage with respect to pre-existing conditions.
If circumstances beyond your control (for example, an unforeseen deployment or withdrawal of leave) cause you to cancel or postpone your wedding, we can provide reimbursement for non-recoverable expenses.
The Wedding Protector Plan® makes a distinction between a rainy day and truly severe or catastrophic weather, such as a hurricane. If catastrophic weather causes you to cancel or postpone the wedding, we can provide reimbursement for non-recoverable expenses.
Coverage can be purchased as early as 2 years before your wedding day and as late as 24 hours before your event in most states. We recommend you purchase coverage as soon as you begin making deposits and purchases for this event. Purchases already made can be covered provided you have receipts for them and you did not know of any impending or existing claim situations when you purchased insurance.
Yes. You can purchase coverage for locations in U.S. and its territories and possessions, Puerto Rico, Canada, United Kingdom, Mexico, Bermuda, the Bahamas, Turks, Caicos, the Caribbean Islands (excluding Cuba & Haiti) and cruise ships leaving from a port within these territories. There is no additional cost for these locations.
Buying a wedding insurance policy is as easy as … 1, 2, 3. Simply click here & 1.Choose your coverage 2.Fill in your information and 3.Pay online with your credit or debit card. You’ll receive a confirmation email to view and print out your policy.  Have a few questions, or prefer to buy in person? You can always contact Masterpole Murphy directly for a quote.
Your policy will be emailed to the email addresses you entered in the application.
If your wedding is canceled due to a necessary and unavoidable covered reason, any non-recoverable travel and accommodations for your honeymoon may be covered under the Cancellation / Postponement coverage up to the covered limit on the policy. Postponement or cancellation of the honeymoon for any other reason other than cancellation or postponement of the wedding will not be covered under the Wedding Protector Plan®.
No. The Special Event Insurance Policy does not provide coverage in the event that either the bride or groom changes their mind and does not want to proceed with the wedding.
Liability Insurance is an optional coverage that can provide coverage for bodily injury, property damage, and personal injuries to third parties at the location of your event. You also have the option to include liquor liability coverage, which protects you from alcohol related suits brought as a result of an intoxicated guest who was served alcohol at a wedding you hosted. You may add your Venue(s) as Additional Insured at no additional cost
Liability coverage is an optional addition to your Wedding Protector Plan®. However, you may wish to contact the locations where you will hold your Wedding Ceremony and Reception as they may require you to show proof of liability insurance. If they do, this will satisfy that requirement.
Liquor liability coverage may be added to the liability coverage you purchase for a nominal fee. Liquor liability coverage is designed to protect you and your immediate family against alcohol-related accidents. For example, if an accident is caused by an intoxicated guest at the event site, that could result in liability for you. Liquor Liability coverage is available up to the liability limit on the policy.
No, there is no deductible with our insurance coverage. Many of the other event insurance providers have high deductibles.
Yes, the liability endorsement on the special event policy will allow you to name your Ceremony, Reception, and Rehearsal Dinner venue as additional insured at no additional cost.
In many cases special wording is not a problem, however it is recommended you call contact us by phone or email us with the specific language required so we can determine if it is acceptable.
No, the Wedding Protector Plan® offers coverage for the Named Insured and the Honorees. The venue is the only entity that can be added as an Additional Insured.
The liability portion of your policy remains in force until 2AM the morning following your insured event date.
You can contact our office with any questions, or simply contact Travelers claim service to assist you in the handling of any claim 24/7 at 800-CLAIM33 (800-252-4633).


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  1. […] Click here to get more information or review our FAQ’s about The Wedding Protector Plan® from Travelers, and Masterpole Murphy. […]

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