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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.
          Wedding event liability coverage includes the rehearsal dinner, the wedding and the wedding reception
          if all are scheduled within 48 hours of the wedding ceremony.  Coverage also automatically extends 24 hrs
          before and 24 hrs after the wedding event for setting up and breaking down.

  • Event Cancellation / Postponement Insurance - protects your financial investment in the wedding, providing indemnity for things such as: cancellation / postponement, lost deposits, and more.  Coverage is not available in all states and does not provide coverage for loss or damage arising in any way from infectious disease, virus, bacterium or other microorganism, as well as Pandemic or epidemic as declared by the World Health Organization or any governmental authority.

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 be included in the coverage as host facilities.
  • Each limit is available with host liquor liability coverage.  A lower premium applies to events if liquor is excluded.
  • 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.
 
Three limits to choose from based on your client's needs or the venue's requirements:

 

Event Liability CoverageLimit options​ ​ ​
​Each Occurrence​$500,000​$1,000,000​$1,000,000
​General Aggregate​$1,000,000​$1,000,000​$2,000,000
​Property Damage ($1,000 deductible applies)​Included​Included​Included

 

     
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.

IMPORTANT NOTICE:  Due to the changing circumstances surrounding Covid-19 and the significant impact it has had on the
insurance industry, event cancellation coverage may not be available in all states. Additionally, this policy does not provide coverage for loss or damage arising out of any of the following, including any fear or threat thereof, whether actual or perceived; any infectious disease, virus, bacterium or other microorganism; Pandemic or epidemic, as declared as such by the World Health Organization or any other governmental authority.

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