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  Glossary | Buy On-line
Wedding Event Insurance

                                              



K&K's wedding program offers two important wedding insurance products that can be purchased individually or as a package to help provide security and protect your clients.

  • Liability Insurance - required by many venues, this coverage protects you against financial liability arising from the wedding event.
  • Event Cancellation / Postponement Insurance - protects your financial investment in the wedding, providing indemnity for things
    such as: cancellation / postponement, lost deposits, and more.

Receive up to 15% off your premium when both products are purchased together!

Buy online using any major credit card and purchase coverage in just minutes.

Liability Coverage:

Required by many wedding ceremony and reception sites, liability coverage protects the insured if held liable for property damage or 
bodily injury, and also offers host liquor liability to protect against alcohol-related accidents.

Program Benefits:

  • Get instant upfront pricing online - no need to disclose any personal information or create an account just to get a quote.
  • Wedding ceremony, reception and rehearsal dinner* venues can all be named as Additional Insured for one low price.
  • Six (6) limits options to choose from**
  • Choice of $500,000, $1 Million, $2 Million, $3 Million, $4 Million, and $5 Million liability limits
  • Each limit is available with host liquor liability coverage.  A lower premium applies to events with no liquor.
  • Can be purchased up to the actual day of the wedding (if purchased the same day as the wedding, coverage will be effective at the time payment is confirmed and the purchase is completed).
  • Purchase online and receive coverage documents immediately (you'll also receive a copy by e-mail)***
  • Certificate of Insurance can be e-mailed directly to the venue
  • Coverage is primary for both the insured and the venue, which means that for covered claims, the K&K policy will pay first - before any other insurance.  Primary liability coverage is preferred by most venues, and many require it.
  • Liability coverage can be purchased alone, or as a package with a Wedding Event Cancellation / Postponement policy at a discounted rate
  • K&K's wedding liability insurance is available to U.S. residents with weddings in all U.S. states, U.S. Territories & Possessions,
    Canada & Puerto Rico.

              *Rehearsal dinner must occur with 48 hours of the ceremony in order to be included on the same policy.
              **Please note:  Some coverage options and limits are not yet available in all states.  Use the Get Your Quote option to see available coverage
              options and limits in your state, or contact customer service for more information.
              ***In some cases, if your venue requires special wording to be added to the Certificate of Insurance, we will need to review the wording before
              a special certificate of insurance can be issued. When your wording is approved, we will send your certificate via e-mail.

 Six limits to choose from based on your client's needs or the venue's requirements:

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

     
Cancellation / Postponement Coverage:

No matter how carefully a wedding is planned, some events are beyond control.  The plan protects your client's financial investment in the wedding in two ways:

  • If forced to cancel / reschedule the entire wedding for a covered reason (does not apply cancellation / postponement
    due to change of heart)
  • If the wedding takes place as scheduled but experience a covered damage / loss to wedding attire, wedding rings,
    wedding photos / video, and more

Wedding Event Cancellation / Postponement Insurance can help the wedding go smoothly at every stage by protecting against:

  • Lost deposits / vendor bankruptcy throughout the planning period
  • Damage to wedding gown, wedding photographs, and more
  • Nonrefundable deposits if forced to postpone the entire event.

Ten levels of coverage are offered based on the total wedding budget:

 

Cancellation /Postponement

Extra Expense

Photographs & Video

Gifts

Special Attire

Special Jewelry

Loss of Deposits

Professional Counseling

Level 1

$7.500

$1,875

$1,000

$1,000

$1,000

$1,000

$1,000

$500

Level 2

$15.000

$3,750

$1,500

$1,500

$1,500

$1,500

$1,500

$650

Level 3

$25,000

$6,250

$2,000

$2,000

$2,000

$2,000

$2,000

$750

Level 4

$35,000

$8,750

$2,500

$2,500

$2,500

$2,500

$2,500

$850

Level 5

$50,000

$12,500

$3,000

$3,000

$3,000

$3,000

$3,000

$1,000

Level 6

$75,000

$18,750

$4,000

$4,000

$4,000

$4,000

$4,000

$1,000

Level 7

$100,000

$25,000

$5,500

$5,500

$5,500

$5,500

$5,500

$1,250

Level 8

$125,000

$31,250

$7,000

$7,000

$7,000

$7,000

$7,000

$1,500

Level 9

$150,000

$37,500

$8,500

$8,500

$8,500

$8,500

$8,500

$1,750

Level 10

$175,000

$43,750

$10,000

$10,000

$10,000

$10,000

$10,000

$2,000