Wedding Protector Plan

What Wedding Protector Plan does

Wedding Protector Plan is a US-domiciled specialty insurance program that sells cancellation, postponement, liability, jewelry, and travel coverage for weddings and private events. Founded in 2007 and operated as a division of Protector Plans Inc. (a wholly owned subsidiary of Brown & Brown, Inc., NYSE: BRO), the program is underwritten by The Travelers Indemnity Company and its property casualty affiliates, marketed with the "A+ rated" carrier designation as a primary credibility signal. Policies are priced as one-time premiums at approximately 1% of total anticipated event cost, ranging from roughly $160 for $7,500 of coverage up to limits of $500,000 for luxury weddings, with optional liability add-ons starting at $165 for $1,000,000 of general aggregate coverage. Distribution is primarily direct-to-consumer through protectmywedding.com, supplemented by WeddingWire marketplace listing, The Knot contest sponsorships, and a 2023 partnership with Travel Insured International for honeymoon and destination-wedding travel protection.

The technology layer is a relatively conventional web-based quoting and policy-issuance platform with email-delivered policies (typically within minutes of purchase) and Authorize.Net payment processing, with no disclosed AI, machine learning, or proprietary underwriting algorithms; differentiation rests on carrier affiliation, brand recognition, and channel positioning rather than technical sophistication. The product portfolio is modular: a core Wedding Protector Plan® policy covers ceremony, reception, rehearsal, rehearsal dinner, and post-wedding brunch against vendor failure, venue closure, weather, illness, and military deployment, with add-on endorsements for liability, liquor liability, jewelry, and global travel protection. The customer base is individual US-based engaged couples across 46 states (excluding Alaska, Hawaii, and Louisiana), with a secondary segment of private event hosts, and revenue is generated through per-policy premiums collected at point of sale with no recurring or subscription components.

Name

Wedding Protector Plan

Legal name

Protector Plans Inc.

Website

https://protectmywedding.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Wedding Protector Plan is a specialty insurance program underwritten by Travelers that sells one-time cancellation, liability, jewelry, and travel policies to engaged couples and private event hosts in 46 US states, distributed direct-to-consumer and via the WeddingWire marketplace.

Ownership category

akta.pro rank

Product category

Wedding and Private Event Insurance

NAICS

Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Event Cancellation & Contingency (FSAJAGAN)

akta.pro secondary industries

Ticket/Event Cancellation Protection (FSAJAJAG), Reception Planning & Guest Experience (Seating, Favors, Hospitality) (HSACABAM), Bridal Jewelry Services (Sizing, Engraving, Cleaning, Appraisals, Warranties/Insurance Add-ons) (CRAKACAJ)

Keywords

• Wedding insurance
• Event cancellation coverage
• Private event insurance
• Liability insurance
• Travel protection

Headquarters

HQ city

Hartford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Wedding Insurance Premiums: One-time insurance premiums for wedding cancellation/postponement coverage based on the total anticipated cost of the wedding. Coverage levels range from $7,500 to $500,000 depending on state availability.
2. Liability Insurance Add-on: Optional liability coverage endorsement that can be added to the base wedding insurance policy for bodily injury, property damage, and personal injury protection. Includes optional liquor liability coverage.
3. Travel Protection (Honeymoon/Destination Weddings): Travel insurance coverage for honeymoons and destination wedding guests offered through Travel Insured International partnership, including trip cancellation, medical expense, and optional Cancel for Any Reason coverage.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Wedding Protector Plan sells specialty private event and wedding insurance policies direct-to-consumer, underwritten by The Travelers Indemnity Company (A+ rated). The core policy covers ceremony, reception, rehearsal, rehearsal dinner, and post-wedding brunch with no deductible, with optional liability, jewelry, and travel protection add-ons. Policies are quoted and purchased online at protectmywedding.com and delivered via email within minutes.

Product overview

Wedding Protector Plan® is a portfolio of wedding and private event insurance products underwritten by Travelers Indemnity Company, structured as a core policy with modular add-on coverages. The core Wedding Protector Plan® provides cancellation/postponement coverage protecting against lost deposits, vendor bankruptcy, severe weather, and illness. Optional add-ons include Liability Insurance (with Liquor Liability option), Jewelry Insurance, and Travel Protection for honeymoons and destination weddings. The product also extends to Private Event Insurance for non-wedding celebrations. All policies feature no deductibles. Coverage limits reach up to $500,000 for luxury weddings. Coverage spans the ceremony, reception, rehearsal, rehearsal dinner, and post-wedding brunch. Policies can be purchased up to two years in advance.

Differentiator

Problem solved

Functional benefit

Brands

• Protector Plans Inc. The parent company entity that operates the Wedding Protector Plan division.

Products and services

• Wedding Protector Plan® (Core Wedding Insurance) Primary wedding insurance policy underwritten by Travelers Indemnity Company, providing cancellation/postponement coverage, lost deposits protection, and coverage for damaged attire, gifts, and photographs for weddings. Policy covers ceremony, reception, rehearsal, rehearsal dinner, and post-wedding brunch with no deductible, and can be purchased up to two years in advance.
• Cancellation & Postponement Coverage Coverage component reimbursing non-recoverable deposits and expenses when weddings must be cancelled or postponed due to covered circumstances including vendor bankruptcy, sudden illness, military deployment, or venue inaccessibility.
• Liability Insurance Optional endorsement providing protection against bodily injury, property damage, and personal injury claims at the ceremony, reception, or rehearsal dinner. Includes option to add liquor liability coverage for alcohol-related incidents, with extended coverage until 2:00am the following morning. No deductible and venues can be added as additional insured at no extra cost.
• Jewelry Insurance Specialized coverage for engagement rings and wedding bands underwritten by Travelers. Protects against loss, theft, or damage to jewelry purchased or rented for the wedding event or within 7 days prior. Coverage amount based on agreed value through appraisal or bill of sale.
• Travel Protection (Honeymoon & Destination Weddings) Travel insurance offered through partner Travel Insured International for honeymoon trips and destination wedding guests. Includes trip cancellation up to 100%, trip interruption up to 150%, medical expense up to $100,000, medical evacuation up to $1 million, and optional Cancel for Any Reason coverage (up to 75%). Available for U.S. citizens/residents traveling worldwide.
• Private Event Insurance Insurance product for private celebrations including birthdays, anniversaries, showers, bar/bat mitzvahs, and other life events. Covers ceremony, reception, rehearsal dinner and post-wedding brunch. Provides options for liability and host liquor liability insurance endorsements, served through protectmyevents.com.

Quantifiable outcome

• Vendor-related issues account for 31% of paid wedding insurance claims
• +4 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Travel Insured InternationalcoreGTM or Marketing Partner · 20 July 2023Wedding Protector Plan partnered with Travel Insured International (TII), a Crum & Forster company and leading travel insurance provider, to offer travel protection coverage for honeymoons and destination weddings. The partnership provides couples with Cancel for Any Reason coverage (up to 75% reimbursement), medical/legal referral, lost baggage retrieval, emergency cash advance, and 24/7 Travel Assistance services worldwide.
• Brown & Brown, Inc.coreOthersWedding Protector Plan is a division of Protector Plans Inc., a wholly owned subsidiary of Brown & Brown, Inc. (NYSE: BRO), a leading insurance brokerage firm delivering risk management solutions since 1939 with more than 14,500 teammates in 450+ locations worldwide.
• WeddingWirecoreGTM or Marketing PartnerListed as a wedding vendor on WeddingWire, the leading national wedding vendor marketplace and directory. Winners are determined by couple reviews, with less than 5% of vendors receiving the Couples' Choice Award.
• The KnotminorGTM or Marketing PartnerTravelers sponsored the Dreaming of I Do contest through The Knot, offering engaged couples the opportunity to win $10,000 for their wedding planning.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• Travel Insured International: Travel insurance partner providing the honeymoon/destination wedding travel protection coverage; comparable as an enabling distribution partner rather than a direct competitor.
• Brown & Brown, Inc. Parent company of Protector Plans Inc. (which operates Wedding Protector Plan); an adjacent insurance brokerage ecosystem participant rather than a direct competitor, providing capital and distribution.

Broad incumbents

• Hiscox: Specialty insurer with small business and event liability products; competes as a broader incumbent offering overlapping event coverage with more extensive underwriting capabilities and global reach.
• Markel: Large specialty insurer with a personal lines portfolio that includes event and wedding liability coverage; competes as a broad incumbent with deeper capital and broader product range.
• Travelers (Event Insurance Division): Underwriter of Wedding Protector Plan policies and also offers its own direct event insurance products, representing both a partner and a broad incumbent competing in the same specialty insurance category.
• Nationwide: Large national insurer offering event and wedding coverage as part of a broader personal lines portfolio; competes as a broad incumbent with stronger brand recognition but less specialization.

Direct peers

• WedSafe: Direct competitor offering wedding insurance policies including cancellation and liability coverage to U.S. couples, competing head-to-head with Wedding Protector Plan on the same product category and customer segment.
• EventHelper: Specialty event insurance provider offering cancellation and liability coverage for weddings and private events, directly competing with Wedding Protector Plan in the U.S. special event insurance category.

Emerging players

• TULIP (Event Liability): Online event liability insurance platform targeted at venues and event hosts; an emerging player with partial overlap on the liability endorsement side of Wedding Protector Plan's product suite.

Regional players

• Wedsure (UK): UK-based wedding insurance specialist offering cancellation, liability, and travel cover; a comparable specialty product but operating in a different geography than the U.S.-focused Wedding Protector Plan.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/WedProtector
• LinkedInlinkedin.com/company/wedding-protector-plan-protector-plan-for-events

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wedding Protector Plan