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Wedding/Event Insurance 101

Here's the inside scoop on protecting your special day, and everything you need to know about event insurance. Though you might not want to think about it, it's true, disaster can strike on your wedding day. From a sudden cancellation to a damaged gown, event insurance can help protect against the unforeseen and give you peace of mind.

First, you must know that there are TWO TYPES of coverage - liability insurance and event insurance.

W H A T I S L I A B I L I T Y I N S U R A N C E ?

Often required by venues to protect against injuries, property damage, and alcohol-related accidents. This type of insurance is most common, and can be purchased up until the wedding date. It can be purchased online in minutes, and your Certificate of Liability Insurance can be emailed directly to your venue and/or wedding planner/coordinator. This coverage is primarily for both you and your venue - if you have a covered claim, your policy will pay first, before other insurance you may have.

1. W H A T I S E V E N T I N S U R A N C E ?

More specifically, 'wedding insurance' is a type of special event insurance, that can provide coverage before and leading up to an event, such as your wedding. It's no shock, weddings are an investment - that's why there's such insurance, and it can be of benefit no matter how much your wedding costs. It protect the couple's investment from circumstances beyond their control and reimburses expenses incurred.

2. W H A T D O E S W E D D I N G / E V E N T I N S U R A N C E C O V E R ?

It all depends on the exact coverage, BUT event insurance can help solve problem with the venue, vendors, key people, and sickness or injury before, on and after the wedding day. There's typically a maximum amount, which can be claimed under each section, and a deductible also applies. Note, actual coverage also depends on the company - all insurance policies vary not just from company to company, but from state to state. Below is a brief 'blurb' of a few common items seek with wedding/event insurance...

VENUE: can cover the cost due to an unavoidable cancellation such as damage to the ceremony/reception site. for example, if the venue can not longer honor your booking because it has burned in a fire, experience electrical outage, or even in the event since booking they have closed.

SEVERE WEATHER: think flooding, hurricane, tornado... weather which prevent the couple, immediate family, wedding party and/or guests from reaching the premises where the wedding is set to take place. insurance covers rescheduling, and all the details involved. note, most states have a minimum days before the wedding this coverage must be purchased for it to apply. often 14 days prior to the wedding date, if purchased later than that, you will not be able to account for weather coverage.

SICKNESS OR INJURY: wedding/event insurance may cover sickness or injury to the couple or immediate family members (and in some coverage, even guests). this does not include any pre-existing medical condition. note, since COVID is now a known infectious disease, some insurance companies do not recognize or covered COVID related cancellation or postponement.

W H A T I S ' T Y P I C A L L Y ' N O T C O V E R E D ?

A change of heart, or cold feet is not covered. In addition, personal items such as watches or jewelry. While the coverage 'may' cover your wedding bands, it often doesn't cover your engagement ring, consider seeking ring insurance for the long-term for your engagement ring/bands even continued post-wedding.


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