Protect Your Special Day
Wedding insurance is a type of private event insurance that protects a couple's investment from circumstances beyond their control leading up to and on their wedding day - coverage can be purchased to protect the wedding, wedding ceremony, reception, rehearsal and rehearsal dinner.
The core policy typically provides coverage for:
Wedding Video/Photo Coverage – if the photographer or videographer doesn't show up for the event, or does not deliver photos and videos when promised
Protection for Wedding Gifts – excludes cash and gift cards
Special Attire and Jewelry Coverage – includes coverage for lost or damaged dresses or attire and special jewelry coverage that includes lost or damaged wedding rings
Coverage for Lost Deposits – protects lost deposits, such as those paid to bakers, caterers, bridal boutiques and wedding venues that go out of business
Additional Wedding Expenses – can provide coverage for additional and unexpected expenses that come up, such as replacing a damaged wedding cake, spoiled food and other glitches in catering and entertainment
General Liability & Liquor Liability
More and more wedding venues are requiring couple's to purchase general liability insurance - they will ask for a certificate of insurance naming the venue as additional insured.
General liability coverage protects the couple if they are held liable for property damage, bodily injury or personal injury to third parties at the location of the ceremony and/or reception - coverage can also be provided for the rehearsal dinner.
There is also an option to add liquor liability coverage, which protects the couple and their immediate families against alcohol-related accidents.
Cancellation or Postponement
Cancellation coverage helps protect from financial loss if the wedding needs to be postponed or canceled due to family illness, extreme weather, or some other unexpected reason.
Top 5 Cancellation or Postponement Reasons In Past 5 Years
Bride or groom suffers sickness or illness
Event location is damaged prior to the wedding
Caterer or officiant doesn't show
Bridal gown gets lost or damaged
Withdrawal of a written military leave of absence
**Coverage is not provided if there is “a decision” not to proceed (groom gets cold feet, etc.)**