What is Wedding & Event Insurance?
Wedding and event insurance provides couples with coverage in case of unforeseen circumstances that could easily turn your special day into a total disaster. For weddings, coverage is available for Cancellation / Postponements (loss of deposit insurance). Wedding insurance can ensure that you are protected in a wide range of scenarios including lost deposits because you have to move the wedding date due to an accident, illness or extreme weather, lost or damaged wedding day photos and videos, replacement of a stolen wedding gown, stolen or damaged gifts, and more. For weddings and special events Liability (if you are held responsible for an injury or property damage) is available.
Wedding Cancellation Insurance Coverage
Protect yourself from financial loss if you need to postpone or cancel the event due to unforeseen circumstances including a sudden illness in the immediate family, extreme weather that impedes travel or causes a power outage at your venue, as well as unexpected emergencies such as last-minute military deployment of the bride or groom.
Non-Refundable Vendor Deposits
In case of cancellation or postponement, receive reimbursements for lost deposits already paid to vendors like cake bakers, caterers, musicians or DJs, bridal boutiques, and wedding venues that go out of business.
Wedding Gowns, Tuxedos, and Rings
Coverage may include costs to replace, repair, or rush alteration for any lost or damaged bridal gown, groom’s tuxedo, or the wedding rings.
Wedding Video/Photo Coverage
You may also be covered if the wedding goes on as planned but the photographer or videographer either did not show up or was unable to deliver the photos and videos as previously arranged.
Loss, Stolen, or Damaged Wedding Gifts
Get reimbursed for wedding gifts that were lost, stolen, or damaged during the wedding.
Wedding & Event Liability Insurance Coverage
Liability insurance is a must since many popular venues now require you to have liability coverage and host liquor liability insurance. This protects you from being held financially liable for property damage, medical expenses for bodily injury or an alcohol-related accident. For weddings, the insurance will provide three full days of coverage, including your rehearsal dinner, wedding day and post-wedding brunch. Wedding and event liability insurance can be purchased any time, up to one (1) day before your wedding day.
Other Things to Remember about Wedding Insurance
All wedding insurance is based on unforeseen circumstances. Be aware of what qualifies as such. For example, pandemic-related lockdowns are not covered. Neither is a wedding being called off because either the bride or groom changed their mind. And while liability coverage will protect you from damage to equipment rented from your venue, it generally does not cover damage to those rented from an outside company.
The time to get Wedding insurance is the moment you start planning and incurring expenses for your event. There may be some restrictions based on when you purchase cancellation coverage — often if less than 15 days before the event the insurance will not cover weather related losses. Liability coverage on the other hand may be purchased one day prior to the event.
Worry-proof your wedding and walk down the aisle looking ahead to a bright future with confidence that your big day will go on as planned with wedding insurance coverage.
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