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5 stars

Insurance You Can Trust

Real reviews from our happy customers
BriteCo BriteCo Product
805 Greenwood Street Evanston, IL 60201 US
BriteCo Insurance
5

Perfect Repair in Time for My Wedding! After only having my engagement ring for a few months it was unfortunately damaged in a car wreck. Thank you BriteCo for insuring my ring and making a perfect repair in time for my wedding!

Lena B.
On My Finger in Time for My Wedding!
Customers give BriteCo 5 stars
5

Super Easy and Great Customer Support I was very happy that my quote was aligned with my budget for insurance. After receiving my quote, I uploaded my appraisal and took a photo of my item. And that was it - super easy and great customer support

Gianna C.
Super Easy and Great Customer Support
Customers give BriteCo 5 stars
5

Very Happy With the Policy Easy and fast online application. Very fast turn around with issued policy. You can view appraisals and view photos of the covered items in the policy that was issued. I am very happy with the policy.

Beth A.
Very Happy With the Policy
Customers give BriteCo 5 stars
5

Claim Handled With Care There are kind, empathetic, humans working at this company who understand the emotional toll that comes with losing a precious artifact. No further words other than THANK YOU

Darien S.
TClaim Handled With Care
Customers give BriteCo 5 stars
5

Helpful and Friendly Such an easy process to sign up for the insurance! I had a couple of questions, so I called customer service directly. They were very helpful and friendly. The price on the insurance was very competitive too!

Carole I.
Helpful and Friendly
Customers give BriteCo 5 stars
5

Easiest Insurance Transaction Ever My easiest insurance transaction ever. Insured my Fiancée's engagement ring. Pricing seemed more than reasonable based on other quotes I received. I highly recommend BriteCo!

Mark S.
Easiest Insurance Transaction Ever
Customers give BriteCo 5 stars
5

Process Was Very Smooth A stone fell out of my wife’s ring and BriteCo paid to have it replaced. The process was very smooth and the people were extremely helpful. I highly recommend using their service!

Joey S.
Process Was Very Smooth
Customers give BriteCo 5 stars
5

Saving Huge on Our Premiums So fast. So simple. Better Coverage for me and my wife, and we're saving a huge percentage on our premiums. Couldn't be happier with finding BriteCo!

Katie E.
Saving Huge on Our Premiums
Customers give BriteCo 5 stars
5

I Saved Several Hundred Dollars It was so easy to insure my jewelry with Briteco! I was nervous about doing everything online, but it worked perfectly and saved me several hundred dollars and gained better coverage. Perfect!

Becky S.
I Saved Several Hundred Dollars
Customers give BriteCo 5 stars

What Does BriteCo Event Insurance Cover?

BriteCo gives you fast, affordable, must-have coverage for your special events

Comprehensive Liability Coverage

from only $102
Venue Approved
Venue Approved

5-day coverage for your event. Includes setup and breakdown.

Zero-Deductible-Policy
Zero Deductible Policy

Managing event costs is a challenge. BriteCo makes sure you don’t have to pay out of pocket if you have to make a claim.

Host Liquor Liability
Host Liquor Liability

Includes automatic protection from the risks of serving alcohol at your event to make sure the policy purchaser (e.g. you, your parents) is not liable.

Property Damage
Property Damage

Accidents can happen. BriteCo protects you against costs arising from accidental damages to the venue.

Comprehensive Cancellation Coverage

From only $80
Cancellation or Postponement
Cancellation or Postponement

Get ultimate peace of mind by protecting your investment with coverage for event cancellation or postponement due to unforeseen circumstances.

Lost Deposits
Lost Deposits

Florist shuts down before your event? Photographer can’t be found? Get reimbursed for lost deposits if a vendor goes out of business or fails to deliver services.

Additional-Coverage
Additional Damage or Loss

BriteCo event insurance provides coverage for additional expenses for things like wedding or event attire, gifts, special jewelry or other essentials.

COVID Coverage
Covid Coverage

Unlike most event cancellation insurance, BriteCo provides COVID protection for the honorees and their immediate family, ensuring extra peace of mind.

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How Much is Event Insurance?

HINT: IT’S VERY AFFORDABLE!

Liability Coverage starting at $102

Liability Coverage starting at $102

Many venues require liability insurance. Rest easy with secure, comprehensive protection, including $1,000,000 per occurrence / $2,000,000 aggregate coverage.

Cancellation Coverage starting at $80

Cancellation Coverage starting at $80

Wedding & special events are a major expense. You’ll want to insure against unforeseen circumstances by tailoring your coverage to match the cost of your event.

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What is Event Liability Insurance?

Event liability insurance is designed to cover the span of your Event’s main activities, typically the day-of and closely related events such as the rehearsal dinner or morning after brunch. This coverage provides protection from lawsuits stemming from injuries to your guests during the celebrations.
What is Wedding Liability Insurance?

Key Coverages:

General Liability 1

General Liability

Mitigates the risk of being held liable for injuries or damages occurring during wedding & special events.

Host Liquor Liability

Host Liquor Liability

Providing protection against bodily injury or property damage suits brought by parties as a result of intoxicated guests who were served alcohol that you purchased and provided.

Property Damage

Property Damage

Protects against costs arising from accidental damage to the venue.

Pet Liability

Pet Liability

Protects against injuries or damage caused by your cat or dog, ensuring a worry-free celebration.

Optional Liability Coverages:

Medical Payments

Medical Payments

MedPay covers medical expenses and funeral costs from accidents, regardless of fault. It helps with medical, dental, surgical care, ambulance fees, and emergency services​.

Subrogation Waiver

Subrogation Waiver

Prevents your insurer from seeking reimbursement for a claim payment from third parties, protecting your vendor and other relationships. It may be required by your venue.

Primary / Noncontributory Language

Primary / Noncontributory Language

Ensures your insurance is the first to pay in claims, not requiring other policies to contribute. It may be required by your venue.

Increased Coverage Limits

Increased Coverage Limits

BriteCo offers the highest protection limits up to $20 million, ensuring comprehensive coverage for your event.

These optional coverages enhance your event liability insurance by providing additional security and peace of mind.

What is Event Cancellation Insurance?

Wedding & special event cancellation insurance provides a safety net for financial investments in your event, covering losses from unexpected and unavoidable cancellations or delays.
What is Event Cancellation Insurance?

Key Cancellation Coverages:

Cancellation & Postponement:

Cancellation & Postponement

This coverage reimburses you for event-related deposits and payments in case of cancellations or postponements. This includes flowers, hotels, entertainment, catering, photos/videos, transport, hair & makeup, and more up to the limit you selected on your policy.

Counseling

Counseling

Offers coverage for professional counseling services if the event is unexpectedly canceled or postponed, supporting emotional well-being.

Deposits

Deposits

Even if there is not a cancellation or postponement, your deposits are protected if a vendor goes out of business.

Extra Expense

Extra Expense

Covers additional costs incurred to avoid a cancellation, keeping your event on track despite unexpected hiccups.

Gifts and Jewelry

Gifts & Jewelry

Provides security against the theft, loss, or damage of wedding & event gifts and special jewelry, excluding watches and engagement rings.

Photos & Attire

Photos & Attire

Ensures that the costs of retaking photos or replacing attire are covered in case of damage or vendor failure.

Optional Cancellation Coverage:

Cancel for Any Reason

Change of Heart*

Coverage for when life takes a different path — including a qualifying breakup. Receive up to 75% of your non-refundable wedding expenses for a covered change of heart. This flexible add-on ensures peace of mind for the most common “what if” scenario.

*Does not apply to any known reasons prior to purchase.

Why BriteCo is One of the Best Event Insurance Policies

Brunette with long hair highlighting BriteCo benefits

Why BriteCo is One of the Best Event Insurance Policies

  • tickComprehensive Coverage

    BriteCo offers extensive special event insurance coverage options that address every aspect of your event, from liability and medical expenses to cancellation and postponement. With policies starting as low as $102, you get $1,000,000 / $2,000,000 in liability coverage, which is often required by many venues.

  • tickFlexible Cancellation Options

    Our cancellation coverage starts at just $80 and is designed to align with the cost of your wedding. Additionally, our optional “change of heart” coverage reimburses up to 75% of your non-refundable wedding expenses for covered circumstances — including a qualifying breakup.

  • tickAffordable and Tailored Plans

    We understand that every event is unique. That’s why we offer customizable plans to fit your specific needs and budget, ensuring you only pay for the coverage that matters to you.

  • tickOptional Enhancements

    Enhance your policy with optional coverages like Medical Payments, Subrogation Waiver, Primary/Noncontributory language, and Increased Coverage Limits. These additions provide extra layers of security, making sure you are fully protected no matter what happens.

  • tickPeace of Mind

    With BriteCo, you can focus on enjoying your special day, knowing that you are protected against a wide range of potential issues. Our straightforward claims process and dedicated customer service team are here to support you every step of the way.

Choose BriteCo for your event insurance needs and experience the peace of mind that comes with comprehensive, affordable, and flexible coverage.

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Why BriteCo is 
the Best Wedding Insurance

Frequently Asked Questions

Do I need event insurance and what does event insurance cover?

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Event insurance is highly recommended. It protects you against financial losses due to unforeseen circumstances such as vendor no-shows, extreme weather, or illness. Considering the significant investment in a event, having insurance ensures you are safeguarded against unexpected events.

Is event insurance necessary?

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While not legally required, many venues do require liability insurance. It’s also a wise choice to protect your financial investment. Without it, you risk losing significant amounts of money if something goes wrong, from cancellations to accidents during the event.

Can you get event insurance after booking the venue?

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Yes, you can purchase event insurance even after booking your venue. It’s best to get it as early as possible to cover all aspects of your event planning process, from deposits to the actual event day.

Does event insurance cover cancellation?

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Yes, event cancellation insurance typically covers cancellation due to unforeseen circumstances such as illness, extreme weather, or vendor issues. Optional coverages, like "Change of Heart," can provide additional flexibility, allowing you to cancel for personal reasons and still receive partial reimbursement. When getting event cancellation insurance, be sure to check your policy's cancellation coverage limits.

How close to the event can I get insurance?

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You can purchase event insurance up until the day before your event. However, it is advisable to buy it as early as possible to ensure comprehensive coverage throughout the entire planning process. This way, you can protect yourself from any unexpected events that may occur during the lead-up to your wedding day.

What is event insurance?

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Event insurance is a type of special event insurance designed to cover financial losses associated with various aspects of your event. It typically includes coverage for event cancellation, postponement, vendor no-shows, property damage, medical expenses, and liability. Optional coverages can be added to tailor the policy to your specific needs, ensuring you are fully protected.

How much does event insurance cost?

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The cost of event insurance varies depending on the coverage options you select. Basic liability coverage can start at $102, providing $1,000,000 to $2,000,000 in protection, which is often required by venues. Cancellation coverage can start as low as $80, allowing you to tailor the policy to match the cost of your event. To find out the exact cost, get a quote based on your specific needs and preferences.

How much does event cancellation insurance cost?

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Event cancellation insurance costs can start at $80, depending on the level of coverage you choose. This type of insurance provides protection for deposits, payments, and expenses if your event is canceled or postponed due to unforeseen circumstances. By tailoring your event cancellation coverage, you can ensure you have the right amount of protection for your specific budget.

How to purchase event insurance for a wedding?

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You can purchase event insurance directly online without involving an insurance agent. Simply visit the insurance provider's website, select the coverage options that best suit your needs, and complete the purchase process. BriteCo offers an easy and fast online quote system, allowing you to secure your wedding insurance in under 2 minutes.

Do I need liquor liability insurance for my event?

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Yes, liquor liability coverage is essential if you plan to serve alcohol at your event. This coverage protects you from potential lawsuits stemming from alcohol-related incidents, such as property damage or bodily injury caused by intoxicated guests. Many venues also require this type of insurance to ensure the safety and security of all attendees.

How does BriteCo’s event insurance benefit event venues?

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BriteCo’s event insurance provides flexible liability and cancellation coverage limits to meet the unique requirements of venues, making it easy for clients to get full protection for their events. Plus, our intuitive system makes it easy to update Certificates of Insurance (COIs), add additional language, and share documents to streamline processes for venues and their clients. If there are ever questions, BriteCo has dedicated customer service ready to help.

How can event planners benefit from recommending BriteCo event insurance to their clients?

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BriteCo’s event insurance helps planners quickly take care of securing liability and cancellation insurance for their clients. From meeting venue requirements on liability coverage to securing cancellation coverage for any wedding budget, BriteCo's simplified application makes the process fast and easy. BriteCo built tech just for planners so they can easily send quotes and track client progress to ensure peace of mind on the big day.

Forbes.com 2024 Best jewelry insurance award - BriteCo Brides

COVERAGE

EXPLORE

ADDITIONAL LINKS

CONTACT

805 Greenwood Street
Evanston, IL 60201

805 Greenwood Street
Evanston, IL 60201

info@brite.co
[email protected]
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BriteCo Inc. is a licensed insurance agency in all fifty states and the District of Columbia.