Wedding Insurance

Wedding insurance or 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 of the issued policy, it offers protection for the wedding couple 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. 

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. 

Wedding event liability insurance can be purchased up to 2 years in advance of the wedding date.

The "Named Insured" is the person in whose name the policy was purchased.

There is no deductible for general liability coverage, but there is a $1,000 deductible applicable to third-party property damage claims. 

Yes, wedding event liability insurance can be purchased either alone or together with event cancellation insurance. These offer protection from different risks.  If both coverages are purchased at the same time, a discount will be applied to each.

If the named insured is held to be liable in a covered claim, the wedding event liability is primary insurance for both the named insured and any additional insureds listed on the policy. 

No.  Your vendors can purchase vendor insurance by visiting our website www.eventinsurance-kk.com or by calling (800) 328-2317. 

After you complete your purchase online, email us at [email protected] with the requested wording, which will be reviewed, and if acceptable, will be added and a new certificate will be emailed to you.

If your event runs past midnight at the location listed on your evidence of coverage, the insurance is provided until the time the event ends at that location. 

The wedding event liability policy offers coverage for the day of the ceremony and reception as well as the 24 hours prior to the event and 24 hours after the event for the setup and tear down.  If the rehearsal or rehearsal dinner occurs within 48 hours before the wedding, it will also be offered coverage. 

The policy includes host liquor liability coverage to offer protection for alcohol-related accidents. 

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 coverage only excludes liquor liability coverage if the named insured is "in the business" of manufacturing, selling, or distributing alcoholic beverages." 

Premiums, taxes, and other charges are fully earned at the inception of coverage and are non-refundable in the event of cancellation of coverage by an insured. 

Please contact our Claims Department at 800-237-2917.  In the event of emergencies, there is an after-hours service available, 24 hours a day, 7 days a week to assist you. 

Wedding cancellation or postponement insurance is designed to help safeguard event investments from unexpected mishaps.  Various wedding insurance coverage limits are available to meet your budget.  Insurance offers protection against event cancellation or postponement for specified reasons and losses such as no-show vendors, bankruptcy of vendors, damage to event attire, theft of event gifts, and more.

Our website provides a convenient online application for wedding insurance that can be completed and submitted online, 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. 

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 worst-case scenario if you were forced to reschedule your event at the last minute and lost all your non-refundable deposits.  Review the limit options carefully to determine the option suitable for you. 

Wedding cancellation or 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.

Yes, purchases and deposits you have already made can be covered, provided you have receipts or documentation and you did not know of any impending or existing claim situations when you purchased insurance. 

Yes, wedding cancellation or postponement insurance can be purchased either alone or together with wedding event liability insurance.  If both policies are purchased at the same time, a discount of 15% will be applied to each policy.

You should select the state where you live regardless of where your wedding will take place. 

Yes, wedding cancellation or postponement insurance offers coverage for 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, wedding cancellation or postponement insurance 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 10%.  Please note:  the Named Insured must reside within the United States and be at least 18 years old. 

Yes, 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 it renders the wedding building structure unusable or unsafe.

In the unfortunate event your wedding is postponed or canceled due to a covered condition, any non-recoverable travel and accommodation expenses for your honeymoon would also be covered up to the coverage limit selected.  Postponement or cancellation of your honeymoon for reasons other than the postponement or cancellation of your wedding is NOT covered. 

Wedding cancellation or postponement insurance offers 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.) 

Yes, 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). 

Premiums, taxes, and other charges are fully earned at the inception of coverage and are non-refundable in the event of cancellation of coverage by an insured, with the exception of residents of Montana and Texas.