Frequently asked questions
Need more answers? Give us a call at +1.800.388.0169.
Does my event cancellation insurance cover pandemics?
Please note: it is important to point out that coverage for each claim will be evaluated individually, based upon its own merits. For more information, refer to the terms and conditions of your policy.
What if someone in my family gets sick before the event? Would that be covered?
If an injury, illness or death prevents the honoree, an active participant or an immediate family member of the honoree from attending the event, we provide coverage, as long as the unavailability is NOT due to:
1. self-inflicted injury, mental illness, or influence of alcohol or drugs;
2. pre-existing medical condition,
3. pregnancy commencing prior to policy issuance, unless the delivery date is more than two months after the event date;
4. violation of law;
5. commencement of the event against medical advice; or
6. infectious disease, pandemic or epidemic.
What if a governmental authority or the venue itself restricts the event?
If the event is restricted because of an infectious disease, epidemic or pandemic, and you choose to cancel the event, the loss would NOT be covered.
What if we decide to cancel the event because of fear of outbreak or safety related concerns of guests?
This can be a difficult decision to make, but there would be no coverage for the cancellation resulting from:
1. a voluntary decision to not proceed with the event; or
2. infectious disease, pandemic or epidemic, including the fear or threat, whether actual or perceived.
What if my guests are unable to attend the event because of COVID-19 or similar disease?
Unfortunately, cancellation due to infectious disease, pandemic or epidemic, including the fear or threat, whether actual or perceived is not covered under our policy.
Is there coverage under the event liability policy for claims alleging that an attendee contacted/was exposed to COVID-19 at my event?
We are unable to provide a coverage evaluation on a hypothetical claim. Policyholders should be aware that certain bodily injury or personal injury claims are not covered under the exclusion that addresses communicable diseases. Each claim is evaluated individually based on the specific circumstances and facts presented.
When should I purchase event insurance?
It’s a good idea to purchase a policy as soon as you begin to pay deposits. Caterers, photographers and other vendors usually require a significant non-refundable deposit up-front with the remainder due by the day of the event. Our event cancellation coverage can be purchased up to 14 days prior to the event date, and our event liability coverage can be purchased up to 1 day prior to the event date.
In order for our event cancellation policy to cover extreme weather or acts of nature, as defined in the policy, the policy must have been purchased at least 15 days prior to the anticipated or actual extreme weather that causes the cancellation. Long story short, it is a good idea to purchase your event cancellation policy at the beginning of the event planning process. This will help ensure you are protected when a hiccup like covered extreme weather event threatens to show up on your big day.
Will event insurance cover us if the weather forces us to postpone or cancel our event?
Coverage may be provided if weather conditions are extreme enough to prevent the honoree, the honoree’s immediate family, an active participant in the event or more than half of the guests from attending your event. However, the event cancellation policy must have been purchased at least 15 days in advance of the anticipated or actual extreme weather or act of nature.
Is there a deductible on event insurance?
Yes. Event cancellation policies have a $25 deductible for each area of coverage. Event liability policies have a $1,000 deductible for property damage.
What if someone in my family gets sick before the event? Would that be covered?
If an accident or illness prevents the guest of honor or an immediate family member from attending the event, we provide coverage, as long as illness is not due to a pre-existing medical condition.
Will event insurance cover the gifts I may receive at my event?
Yes. Gifts that are lost or damaged seven days prior to and seven days after the event are covered up to the applicable limit set forth in your policy. There is a $300 limit on cash, checks, and gift cards.
Does your event insurance cover special attire purchased specifically for my event?
Yes, our event cancellation insurance coverage provides protection for special attire that is lost, stolen, or damaged before the event. Some exclusions apply.
Are events held outside of the United States covered?
Yes. Cancellation coverage is available for events that are scheduled to take place in (or cruise ships departing from) the United States and territories/possessions, Canada, the United Kingdom, Mexico, the Bahamas, Bermuda, and the Caribbean (excluding Cuba). Liability policies are available for events scheduled to take place in (or cruise ships departing from) the United States and territories/possessions and Canada.
Does your event insurance provide coverage if military leave is withdrawn?
Yes. If the guest of honor is serving full-time, active duty in the armed forces, police, or fire department and must postpone the event due to withdrawal of a previously granted leave or unforeseen deployment, we provide coverage.
What happens if my photographer loses my photos? Is that covered?
Yes, our event cancellation policy provides protection if your film or digital files are lost or damaged before you take possession of them. The policy does not cover photographer error such as under or overexposure.
Do you have a sample policy?
Yes, please see the links below. Policy documents displayed here are samples and are for general information only. There may be variations as required by your state. Please refer to your policy documents received upon purchase for provisions applicable to your policy.
Get a quote
Get a free, no-obligation event liability quote to protect your event today!
Markel Specialty is now offering event cancellation and postponement policies and endorsements in select states. To learn more, including to see if Markel’s event cancellation or postponement policy and endorsement is currently available in your state, please visit our communicable disease notice page.
*Insurance, coverage, and discounts are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. For questions or a complete definition of coverages and discounts available to you, please call a Markel Specialty insurance specialist at +1.800.388.0169.
Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.
The USAA Insurance Agency (the “Agency”) contracts with insurance companies that are not affiliated with USAA to offer products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Product availability may vary in some locations. Applications for insurance are subject to underwriting by the insurance carrier. Any product or coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the “Agency”). CA Lic #0D78305, TX Lic. #7096. 9800 Fredericksburg Road, San Antonio, TX 78288. 258370–0121
© 2021 Markel Corporation