Wedding Insurance & What It Covers

You told your cousin Vinny NOT to let Uncle Ron drink whiskey and guess what happened. You are enjoying your time hopping around the wedding saying hey to your favorite people, and you look over only to see Uncle Ron has now jumped up on the baby grand piano and is dropping it low low low. All the sudden he goes too low and falls into the piano causing massive damage. Uncle Ron’s drunk self didn’t realize that the baby grand is worth $300,000. If you have wedding insurance this is not a big deal, without it you may be paying the venue thousands!

More venues are requiring Wedding or Special Event Insurance these days. Wondering what it is and why you even need it? Let us break it down for you real quick.

Wedding insurance can cover unforeseen circumstances that might arise and cause losses as it pertains to your wedding/venue. Think about all the time, effort, and MONEY you put into your wedding. Wedding insurance can give you comfort in knowing your special day will be protected and getting a quote is now easier than ever and takes about 3-5 minutes.

Wedding insurance can cover:

• Postponement/Cancellation
• Jewelry
• Clothing/Dresses
• Gifts
• Lost Deposits
• Liability
• Liquor Liability
• Photography

Let’s talk about two of the big coverages and what they are.

Liability: If a member of your wedding party or guests causes any damage this covers those situations. For example, this would cover a drunk Uncle Ron dancing on a baby grand.

Liquor Liability: If there is liquor being sold or provided at your event this coverage is for damages that occur because of liquor consumption. For example, if a guest drinks too much and gets into an accident while intoxicated leaving your event.  

You purchase the insurance once you have most of the details set but the biggest things you need to have in place prior to getting a quote for wedding insurance is:

1. Guest Counts (this probably influences the price the most)
2. Venue
3. Do you want Liability Coverage?
4. Do you want Liquor Liability Coverage?

Overall having this coverage in place for such a special day is a great idea. A quick google search for wedding insurance will bring up a bunch of different companies to choose from. Our suggestion is going with a company where you can talk to a REAL person who can give you REAL advice. With so much of what we do moving to online platforms, let your local insurance broker guide you through a policy like this!

If you would like MORE details about Wedding and Special Event Insurance, you can visit our website HERE!!