Wedding Insurance

Wedding Liability & Property Damage Insurance

As the event hosts, if a guest breaks an antique vase or spills punch on an Oriental rug the wedding couple may be held liable. Or, if a guest falls and injures himself or herself, both the venue and the wedding couple may be held liable.

As a result, most nicer wedding and reception venues require the wedding couple provide proof of liability and property damage insurance in the form of a certificate of insurance with the venue listed as an additional insured.

If you have renter's or home owner's insurance your policy probably already provides the needed coverage. With a simple request, most insurance companies will provide the certificate of insurance with little to no cost.

If you don't have renter's' or home owner's insurance or if your company is uncooperative in providing the certificate of insurance, coverage is available online at a surprisingly reasonable price—in most cases less than $200.

Liability and property insurance may provide coverage for:

• injury to guests
• host liquor liability for alcohol related accidents
• property damage
• damage to the rented facility

Wedding Event Cancellation Insurance

As the cost of the typical U.S. wedding climbs—now averaging just under $30,000—couples should consider event cancellation insurance to protect their huge investment.

“Everyone wants their special day to be perfect, but problems can occur, and wedding insurance offers an affordable protection.”

As you prepare for your wedding day you have probably made significant financial commitments including non-refundable deposits and contracts with various vendors. What will you do if serious illness, bad weather, or some other emergency forces you to reschedule your wedding day?

Wedding event cancellation insurance is available to provide coverage for:

• cancellation due to severe weather
• bankrupt vendors
• cancellations due to serious illness
• additional expense due to no-show vendors
• damage to event photos
• theft of wedding gifts
• cancellation due to withdrawal of military leave

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