Wedding Insurance

Here's a good case for wedding insurance: Nowadays, if someone gets injured at an event, it’s likely that someone will be sued. Yikes!

In order to protect themselves and spread the risk among all parties involved, facilities often require additional insurance and/or proof of insurance from service professionals and their clients.

Event sites and service professionals (such as caterers) are very aware of their potential liability and all have coverage of one kind or another. Many of the properties we represent will also require you, the renter, to get extra insurance.

What’s funny (or not so funny) is that as more and more event sites require extra liability and/or a certificate of insurance, fewer insurance companies are willing to issue either one—even if you’re covered under a homeowner’s policy. At this point, insurance carriers don’t want to attach extra clauses to your policy to increase coverage for a single event, and most, if not all, companies are unwilling to add the event site’s name to your existing policy as an additional insured.

Don’t despair. Even though it’s hard to come by, you can get extra insurance for a specified period of time, and it’s relatively inexpensive.

Obtaining Extra Insurance

Here are some of the items a typical policy might cover:

It Can’t Happen To Me

Don’t be lulled into the notion that an event disaster can’t happen to you. It could rain when you least expect it. Or your well-intentioned aunt might melt your wedding dress while ironing out a few wrinkles. Wouldn’t it be nice to know that your dress, wedding photos, equipment rentals and gifts are covered? Naturally, a New Year’s Eve party or a high school prom night is riskier than a wedding, but we could tell you stories of upscale parties where something did happen and a lawsuit resulted.

So even if extra insurance is not required, you may still want to consider additional coverage, especially if alcohol is being served. You are the best predictor of your guests’ behavior. If you plan on having a wild, wonderful event, a little additional insurance could be a good thing.

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Some clients may have paid to be placed in our editorial and some of these links may be affiliate; however, we never include a venue, vendor, or product unless they have a proper place here. This is part of our Core Values. We create our website first and foremost to be good for the couples using it to plan their Big Day. We won't stray from that for a few advertising dollars. #scoutshonor

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