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Frequently Asked Questions
Wedding Event Liability Insurance:
                
Wedding Cancellation / Postponement Insurance:
Short Term Special Events:
 
 
Concessionaires, Exhibitors & Vendors:
 
Entertainers & Performers:
 
 
 
What is Wedding Event Liability Insurance?
Wedding Event Liability Insurance is a specialty insurance policy designed to indemnify the named insured and/or Bride and Groom from certain types of claims arising from accidents taking place during the wedding, reception and rehearsal.  Subject to the specific coverage terms, conditions and exclusions, it offers protection for the wedding copule for damage to the facility caused by a guest or vendor, bodily injury to guests they are found liable for, and alcohol-related accidents they are found liable for.
 
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What policy limits are available for Wedding Event Liability Insurance?
There are six different liability insurance limits currently available in most states.

Commercial General Liability ($1,000 Property Damage Deductible)     

   Limit Options

 
Each Occurrence

$500,000

$1,000,000

$2,000,000

$3,000,000

$4,000,000

$5,000,000

General Aggregate

$1,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

$5,000,000

Products-completed Operations Aggregate

$500,000

$1,000,000

$2,000,000

$3,000,000

$4,000,000

$5,000,000

Personal and Advertising Injury

$500,000

$1,000,000

$2,000,000

$3,000,000

$4,000,000

$5,000,000

Damage to Premises Rented to You (Fire Legal Liability)

$500,000

$1,000,000

$1,000,000

$1,000,000

$1,000,000

$1,000,000

Medical Expense

$5,000

$5,000

$5,000

$5,000

$5,000

$5,000

  
Each policy includes Host Liquor Liability coverage and each option is subject to a $1,000 property damage deductible.
      

Please note:  Some coverage options & limits may not be available in all states.  Please use the Get Your Quote button to see available coverage options and limits for your state, or contact customer service for more information.

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How do I purchase a Wedding Event Liability Insurance Policy?
Our website provides a convenient online application that can be completed quickly, and coverage can be purchased using a major credit card.  Your coverage documents will be presented immediately for download as soon as the purchase is complete, and we'll email you a copy as well.
 
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How far in advance must I purchase this insurance for my wedding and reception to be covered?
Wedding Event Liability coverage should be purchased at least 24 hours before your wedding.  it can be purchased up to 2 years in advance of the wedding date.
 
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Who is protected under a Wedding Event Liability policy?
The bride and groom are automatically included.
          
If the person named on the contract with the venue is someone other than the bride or groom - for example, father or mother of the bride or groom - we recommend the policy be purchased under that person's name, so he/she will also be protected.
                                     
Your wedding venue(s) can also be added as Additional Insured.  Please note that you cannot add vendors (for example, caterers or musicians) under this policy.  Any vendors at your wedding should have their own liability insurance.  If they need coverage, they can visit our website at www.eventinsurance-kk.com, or call us at (800) 328-2317.
 
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What does "Named Insured" mean? / Who is or should be the "Named Insured"?
The "Named Insured" is the person in whose name the policy was purchased.  This is often either the bride or groom., but you might also want the Named insured to be the parent or other family member of the bride / groom, if that person has signed a contract with the venue, or has a significant financial stake in the wedding.  The bride, groom, and Named Insured would all be protected under the policy.
 
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Does a Wedding Event Liability Policy have a deductible?
There is no deductible for general liability coverage, but there is a $1,000 deductible applicable to third-party property damage claims.
 
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Can I purchase a Wedding Event Liability Policy without purchasing an Event Cancellation / Postponement Policy?
Yes, a Wedding Event Liability Policy can be purchased either alone or together with an Event Cancellation Policy.  As a Wedding Event Liability Policy does not cover the same items and risks covered by an Event Cancellation Policy, clients are strongly encouraged to purchase both types of protection.  If both policies are purchased at the same time, a discount will be applied to each policy.
 
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Is the Wedding Event Liability Policy primary insurance?
If the Named Insured is held to be liable in a claim, the Wedding Event Liability Policy is primary insurance for both the named insured and any additional insureds listed on the policy.
 
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My venue requires me to show evidence of liability insurance, is the Wedding Event Liability Insurance Policy suitable for this?
Yes, the Wedding Event Liability Policy allows you to name your Ceremony, Reception, and Rehearsal venue as additional insureds without additional charge.
 
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How will I receive my proof of coverage? / How will I receive the Certificate of Liability Insurance that is required by my venue?
Once the transaction is complete, the purchaser (you) can download your certificates right from the website and a copy will automatically be emailed to you.  If you requested us to do so, a certificate will automatically be emailed to the venue's email address that you submitted.
                                
You will receive a certificate of insurance as proof of coverage.  In most states, coverage is offered exclusively through the Sports, Leisure and Entertainment Risk Purchasing Group (RPG).  The RPG receives a master policy from the company.  Submission of the enrollment form confirms your desire to receive coverage through the RPG.  Each member receives their own certificate of insurance as their evidence of coverage.  The limits of insurance apply individually to each insured member organization-there are no shared limits of liability with any other members.  A copy of the RPG master policy can be requested in writing to:  K&K Insurance Group, Inc., P.O.Box 2338, Fort Wayne, IN  46801.
                                   
Ohio applicants will receive a policy NOT issued through the RPG.
 
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Does the Wedding Event Liability Insurance Policy provide coverage for alcohol-related accidents?
Your policy includes Host Liquor Liability coverage to protect against alcohol-related accidents.  If a guest gets into an accident on the drive home from the event and sues the named insured, the liability policy will respond by providing a defense for the insured host to investigate the claim.  If the insured is held to be liable, the liabiity policy will respond from a damages perspective.  The policy will exclude coverage if the named insured on the policy is "in the business" of manufacturing, selling, or distributing alcoholic beverages.
 
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Can I add my vendors, such as the photographer, DJ, musicians, etc. to my liability policy as additional insureds or can I purchase a policy in their name?
No.  The Wedding Event Liability Insurance Policy affords coverage for the bride and groom.  The venue is the only entity that can be added to the certificate as an additional insured.  Your vendors can purchase Vendor insurance by visiting our website www.eventinsurance-kk.com or by calling (800) 328-2317.
 
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My venue has specific wording to be added to the certificate of liability.  Can this be accommodated?
After you complete your purchase online, simply email us with any customized wording, which will be reviewed, and if acceptable, will be added and a certificate will be emailed to you.
 
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My event runs past midnight.  Will I be covered?
Coverage will be provided if your event runs past midnight at the location listed on the declarations page, until the time the event ends at that location.
 
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My venue requires liability insurance for my wedding, including set up and tear down, as well as the rehearsal dinner.  Can this be provided?
The Wedding Event Liability policy will afford coverage for the day of the ceremony/reception as well as the 24 hours prior to the event and 24 hours after the event for the set up and tear down.  If the rehearsal or rehearsal dinner occurs within 48 hours before the wedding it will also be covered.
 
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What is Host Liquor Liability Insurance?
Host Liquor Liability Insurance is an insurance term used to describe liability protection against bodily injury or property damage suits brought by parties injured as a result of an intoxicated guest who was served alcohol at an event you hosted.  Our liability policy only excludes liquor liability coverage if the named insured on the policy is "in the business" of manufacturing, selling or distributing alcoholic beverages."
 
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What is the refund for the Wedding Event Liability Insurance Policy?
Policy premiums, taxes, and other changes are fully earned at inception of policy coverage are non-refundable in the event of cancellation of coverage at any time by the insured.
 
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Whom do I call if I have to make a claim?
Please contact our Claims Department at 800-237-2917.  In the event of emergencies, there is an after-hours service service available, 24 hours a day, 7 days a week to assist you.
 
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What is a Wedding Cancellation / Postponement Insurance Policy?
Wedding Cancellation / Postponement Insurance is designed to safeguard your event investments from unexpected mishaps.  Various coverage limits are available to meet your budget.  The policy covers event cancellation / postponement for specified reasons and losses such as no-show vendors, bankruptcy of vendors, damage to event attire, theft of event gifts and more.
 
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How do I purchase a Wedding Cancellation / Postponement Insurance Policy?
Our website provides a convenient online application that can be completed quickly, and coverage can be purchased using a major credit card.  Your coverage documents will be presented immediately for download as soon as the purchase is complete, and we'll email you a copy as well.
 
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How will I receive my Wedding Cancellation / Postponement Insurance Policy?
Most purchasers can download their policies right from the website as soon as the purchase is complete; a copy will also be e-mailed to you.
 
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How much Wedding Cancellation / Postponement Insurance do I need?
You should choose a coverage level based on your total event budget - how much you will spend on your venue, caterers, photographers, flowers, special attire, and all the other deposits and purchases you will make for your event.  This is the investment you would stand to lose in a worse-case scenario - if you were forced to reschedule your event at the last minute and lost all of your non-refundable deposits.  Review the limit options carefully to determine the correct option for you.
 
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When should I buy Wedding Cancellation / Postponement Insurance?
Wedding Cancellation / Postponement Insurance can be purchased as early as 2 years before your event and as late as 15 days before your event.  We recommend you purchase event insurance as soon as you begin to put down deposits and make purchases - that way your financial investment will be protected from the start.
 
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What if I have already made deposits or purchases for my Wedding?  Will they still be covered if I purchase Wedding Cancellation / Postponement Insurance now?
Yes, purchases and deposits you have already made can be covered, provided you have receipts/documentation for them and you did not know of any impending or existing claim situations when you purchased insurance.
 
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Does Wedding Cancellation / Postponement Insurance Policy have a deductible?
Yes, there is a nominal $25.00 deductible for each covered section.
 
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Can I purchase Wedding Cancellation / Postponement Insurance Policy without purchasing a Wedding Event Liability Insurance Policy?
Yes, Wedding Cancellation / Postponement Insurance Policy can be purchased either alone or together eith a Liability Policy.  As the Wedding Cancellation / Postponement Insurance Policy does not cover the same items and risks covered by a Liability Policy, clients are strongly encouraged to purchase both types of protection.  If both policies are purchased at the same time, a discount of 15% will be applied to each policy.
 
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I live in one state but my wedding is in a different state.  Which state should I select to get a Quote? 
You should always select the state where you live, regardless of where your wedding will take place.
 
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Does a Wedding Cancellation / Postponement Insurance Policy cover weddings outside the United States?
Yes, a Wedding Cancellation / Postponement Insurance Policy does cover weddings taking place in (and on cruise ships departing from) Canada, Puerto Rico, or a territory or possession of the United States (e.g. the U.S. Virgin Islands).
              
Additionally, a Wedding Cancellation / Postponement Insurance Policy can cover events taking place in (and on cruise ships departing from) the United Kingdom, Mexico, the Bahamas, Bermuda, and the Caribbean (excluding Cuba), with an additional premium surcharge of only 10%.  Please note:  the Named Insured must reside within the United States and be at least 18 years old.
 
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Will a Wedding Cancellation / Postponement Insurance Policy provide coverage if the weather forces us to postpone or relocate?
Yes, a Wedding Cancellation / Postponement Insurance Policy will provide coverage if the weather conditions are extreme enough to prevent the honorees, their immediate families, or the majority of their guests from attending the wedding, or which renders the wedding building structure unusable or unsafe.
 
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Does the Wedding Cancellation / Postponement Insurance Policy provide any coverage for my honeymoon expenses?
In the unfortunate event your wedding is postponed or cancelled due to a covered condition, any non-recoverable travel and accommodation expenses for your honeymoon would also be covered up to the policy level selected.  Postponement or cancellation of your honeymoon for reasons other than the postponement or cancellation of your wedding is NOT covered.
 
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Does the Wedding Cancellation / Postponement Insurance provide coverage for illness/injury to the bride/groom?
The Wedding Cancellation / Postponement Insurance Policy will provide coverage if there is a sudden illness or injury to the bride or groom, or an immediate family member, provided the illness is NOT related to a pre-existing medical condition. (A pre-existing medical condition means a condition where medical care, advice, consultation, or treatment was received within 12 months prior to the purchase date of the policy.)
 
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Will the Wedding Cancellation / Postponement Insurance Policy provide coverage if military leave is withdrawn due to unexpected deployment?
Yes, a Wedding Cancellation / Postponement Insurance Policy will provide coverage if the bride or groom is serving full-time active duty in the armed forces or police or fire departments and must postpone the event due to a previously granted written leave being withdrawn due to circumstances outside of their control (e.g. unforeseen deployment).  The activation of a US military reservist, after the purchase of the policy, that requires deployment to more than 150 miles from the event location would also be covered.
 
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What is the refund policy for the Wedding Cancellation / Postponement Insurance Policy?
Policy premiums, taxes, and other charges are fully earned at inception of policy coverage and are non-refundable in the event of cancellation of coverage at any time by the insured, with the exception of residents of Montana and Texas.
 
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Whom do I call if I have to make a claim?
You should contact our Claims Dept at 800-237-2917 (Toll free)  In the event of emergencies, there is an after-hours service available, 24 hours a day, 7 days a week to assist you.
 
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How soon does coverage start? When will we receive proof of coverage?
Coverage can be bound the date after we receive a completed enrollment form and the appropriate premium. Please allow adequate time for us to process your enrollment form and issue certificates.
 
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When should we make our coverage effective?
The effective date is the date you need your insurance to start. For many, this is the first day that your organization has set to up for the event. Coverage will be in effect for the time period of the event.
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What is Host Liquor?
This program provides coverage if the named insured conducts an event or activity where alcoholic beverages are served or furnished, with or without a charge, and is not required to obtain a license or permit to do so. If a liquor license or permit is required, claims resulting from serving or furnishing alcoholic beverages will be excluded unless Liquor Liability Coverage option is purchased.
 
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Will we receive a policy after submitting the enrollment form?
No. You will receive a certificate of insurance as proof of coverage. Coverage is offered exclusively through Sports, Leisure and Entertainment Risk Purchasing Group (PG). The PG receives a master policy from the company. Submission of this enrollment form confirms your desire to receive coverage through the PG. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each insured member organization-there are no shared limits of liability with any other members. A copy of the PG master policy can be requested in writing to: K&K Insurance Group, Inc., 1712 Magnavox Way, Fort Wayne, IN 46804.
 
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I have been asked by the facility that I am using for the event to add them as an additional insured to my policy. What does this mean and how do I do that?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You can add an entity as an additional insured under the certificate request section of the enrollment form. Please remember provide their complete name, address and relationship to you. All requests must be made in writing.
 
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Can I apply for coverage over the phone?
Unfortunately, we are not able to take your information over the phone at this time. You can apply for coverage online or by completing an enrollment form and submitting it to K&K via e-mail, fax or mail.
 
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What is a general aggregate?
This is the maximum amount to be paid out in any policy period for all losses.
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What are certificate requests? How do I complete this section on the enrollment form?
A certificate is a document prepared by K&K providing you evidence of coverage. You will automatically receive a certificate providing you with proof of coverage once coverage is bound. You will need to complete the certificate request section if you have been asked to provide another certificate, to an entity such as the facility you are utilizing for your event.
 
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I have been asked by the facility that I instruct at to add them as an “additional insured” to my policy? What does this mean and how do I do that?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You can add an entity as an additional insured under the certificate request section of the enrollment. Please remember to provide their complete name, address and relationship to you. All requests must be made in writing.
 
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Will I receive a policy after I submit the enrollment form?
No, you will receive a certificate of insurance as proof of coverage. Coverage is offered exclusively through sports, Leisure and Entertainment Risk Purchasing Group (RPG). The PG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to obtain coverage through the RPG. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each member – there are not share limits of liability with any other members. A copy of the PG master policy can be requested in writing to: K&K Insurance Group, Inc. 1712 Magnavox Way, Fort Wayne, IN 46804.
 
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How soon does coverage start? When will we receive proof of coverage?
Coverage can be bound the date after we receive a completed enrollment form and the appropriate premium. Please allow adequate time for us to process your enrollment form and issue certificates.
 
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When should we make our coverage effective?
The effective date is the date you need your insurance to start. If you are renewing annual coverage with K&K, use the expiration date of your coverage. Coverage will be in effect for the time period selected.
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If we need to request another certificate of insurance for a specific event that we are attending, how do we do this?
A written request from the insured contact is required. There is a certificate request form that will be sent with your original coverage documents that can either be faxed or e-mailed to K&K. Please allow adequate time for processing.
 
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Can I apply for coverage over the phone?
Unfortunately, we are unable to take your information over the phone at this time. You can apply for coverage online or by completing an enrollment form and submitting it to K&K via e-mail, fax or mail.
 
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What is a general aggregate?
The general aggregate is the maximum amount to be paid out in any policy period for all losses.
 
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I have been asked by the event that I am exhibiting at to add them as an additional insured to my policy. What does this mean?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are the landlord or sponsor. By providing an entity additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You may request an additional insured in the appropriate section of the enrollment form. Please remember to provide the complete name, address and relationship to you. Additional insured requests must be made in writing.
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What is the co-insurance penalty referenced with Equipment and contents (Inland Marine) coverage?
The Equipment & Contents (Inland Marine) policy contains a 100% coinsurance clause. With a 100% coinsurance clause, you are agreeing to accept a penalty if a covered loss occurs and all of your equipment and contents are not insured to their replacement cost value. For this reason, it is vital that the values of your equipment and contents be accurately reported and updated annually to reflect inflation and other increases in cost. If they are undervalued, a coinsurance penalty may be applied at the time of a loss. The penalty equals the difference between the amount of the loss and the amount actually paid by the carrier.

The simple formula used to arrive at the amount to be paid by the carrier is as follows:

“Did” / “Should” x Loss Amount – Deductible = Amount Paid.
“Did” = the amount of coverage you did purchase
“Should” = The replacement value of your equipment & contents that you should have insured.
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What does the term “replacement cost” value mean with regards to equipment & contents (inland marine) coverage?
Replacement cost means that the value of covered property will be based on the replacement coast at the time of loss without any deduction for depreciation. It is limited to the cost of repair or replacement with similar property and used for the same purpose.
 
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Will we receive a policy after submitting the enrollment form?
No. You will receive a certificate of insurance as proof of coverage. Coverage is offered exclusively through Sports, Leisure and Entertainment Risk Purchasing Group (PG). The PG receives a master policy from the company. Submission of this enrollment form confirms your desire to receive coverage through the PG. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each insured member organization-there are no shared limits of liability with any other members. A copy of the PG master policy can be requested in writing to: K&K Insurance Group, Inc., 1712 Magnavox Way, Fort Wayne, IN 46804.
 
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