Wedding Insurance

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Wedding Insurance

You've been planning your special day and making significant investments along the way. Don't let unforeseen events which may result in financial losses catch you by surprise. Wedding insurance is a type of special events coverage that can protect you from the unknown and make sure you're reimbursed for investments that you've made in accordance with the policy. Planning a wedding can be stressful - make sure to relieve some of the stress by making sure you are protected from the unexpected.

Wedding Insurance

Wedding Insurance generally offers two types of coverage: cancellation and liability. Every policy has specific parameters as well as exclusions. For example, weddings cancelled due to 'cold feet' or 'change of heart' are not covered, while serious illness of the bride or groom (or immediate family member that is not able to attend) will likely be covered. This type of insurance will help with the reimbursement of lost deposits and/or other financial payments. Liability coverage may cover damage to the venue by guests that you may be responsible for and/or other related forms of liability that you may have as a result of holding this event. It is best to get this coverage as soon as possible, once you have started to make major investments in your wedding (the earlier the better).

What might be covered by Wedding Insurance?

Although this list is not exhaustive, it provides some common elements of Wedding Insurance coverage and a quick overview of each.

• Event Liability: This coverage can protect you from financial liability that you may be held responsible for resulting from property damage or injuries to people attending your wedding at the venue (depending on coverage).
• Additional Venue Liability: You may also need additional coverage for some venues and/or the option to add additional insured parties to the policy.
• Liquor Liability: This coverage will provide you with financial protection if there are any alcohol-related incidents resulting from the event (whether it is held at an outside venue or at your home).
• Postponement or Cancellation: This provides protection in the event of an unanticipated need to cancel or postpone the wedding due to covered reasons. The coverage offers reimbursement for deposits lost that are nonrefundable (up to the limits stipulated by the policy).
• Special Coverages: Additional coverages may be needed to insure valuables that are impacted by unexpected damage or theft. Examples may include: wedding dresses, tuxedoes, gifts, photos, videos, etc.

Do you have questions about Wedding Insurance?

If you or a loved one is getting married, or your venue requires proof of insurance, GET A QUOTE today.