Who insures it · 6 named markets · read 2026-10-28

Who insures weddings and special events?

Weddings and special events is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write weddings and special events: Markel, Wedsure (R.V. Nuccio & Associates / DOXA Programs), Travelers (Wedding Protector Plan), The Event Helper (Gaslamp Insurance Services), Alive Risk (Ryan Specialty Underwriting Managers) - Special Events and others. 3 admitted carriers, 2 program administrators, 1 MGA. 1 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Markel Admitted carrier	Wedding liability (venue as additional insured) and wedding cancellation covering ceremony, reception and rehearsal dinner; separate event insurance page lists weddings among covered private events “Thankfully, Markel offers wedding insurance to help you recover from many of those situations.”	liability for weddings in the United States and territories and Canada; cancellation also Canada, UK, Mexico, Bahamas, Bermuda, Caribbean (excl. Cuba); business	not stated	markel.com · read 2026-10-28
Wedsure (R.V. Nuccio & Associates / DOXA Programs) Program administrator	Wedding insurance: liability with optional medical payments, cancellation, change of heart; one policy covers rehearsal, dinner, reception and ceremony; RVNA self-described as a specialty insurance broker and program administrator; carrier not named “We provide wedding insurance in all 50 states.”	all 50 states	not stated	wedsure.com · read 2026-10-28
Travelers (Wedding Protector Plan) Admitted carrier	Wedding insurance: cancellation/postponement, damaged gifts, weather mishaps, liability; underwritten by The Travelers Indemnity Company and affiliates; in CA, TX and WA by The Standard Fire Insurance Company “There are several levels of wedding insurance coverage to help protect against cancellation/postponement,”	subject to state availability; CA, TX and WA named	not stated	protectmywedding.com · read 2026-10-28
The Event Helper (Gaslamp Insurance Services) Program administrator	Special event liability for events and vendors; weddings and concerts appear in the page's pricing examples; carrier not named “We offer low cost Special Event insurance for thousands of events and vendors.”	not stated	not stated	theeventhelper.com · read 2026-10-28
Alive Risk (Ryan Specialty Underwriting Managers) - Special Events MGA	Special events of all sizes including festivals, conventions, concerts and weddings; concessionaires, vendors and exhibitors; GL, excess, participant/spectator accident, liquor, inland marine, hired/non-owned auto, event cancellation and non-appearance, active assailant “including a wide variety of event classifications such as festivals, conventions, concerts, weddings”	not stated ('Some products may only be available in certain states')	Surplus lines	aliverisk.com · read 2026-10-28
Intact Insurance Specialty Solutions (GatherGuard) Admitted carrier	GatherGuard event insurance for weddings, birthdays and festivals; event liability “GatherGuard® provides event insurance for a wide range of events like weddings, birthdays, and festivals.”	not stated (coverages and availability vary by state)	both	intactspecialty.com · read 2026-10-28

WedSafe returned HTTP 403 and was dropped. K&K's short-term event program also lists wedding activities as eligible.

How weddings and special events gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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