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What is Wedding Insurance?
Are you here because your venue said you have to get Wedding Insurance? Or did your event planner or good friend tell you to look into it to protect your investment on your big day? Either way, we're happy to help!
Both are giving you great advice, but they're likely talking about two different types of coverage. Your venue is referring to Wedding Liability Insurance, and your friend is suggesting Wedding Cancellation Insurance.
What is Wedding Liability Insurance?
This policy is on your side if your wedding causes damage to the venue or injury to a guest. Wedding Liability Insurance is often required in your venue's rental agreement. Many people ask - doesn't the venue already have insurance? Yes, yes they do. But, their insurance is intended to cover damage or injury caused by the venue's owners or staff. It will not cover damage or injury that you cause - that's your responsibility and the reason you need Wedding Liability Insurance. After 15 years of covering Weddings, we have some stories!
- Your groomsman could simply move a table and scratch their wood floors, causing $10,000 in damages.
- Your Aunt could call you to complain about the $3000 ER bill she received after tripping over decorations at the wedding.
- You could realize too late that a bubble machine combined with confetti permanently stains carpet, resulting in a $25,000 bill to replace it.
We know your wedding will be magical and a special time for you and your family. But, unfortunately, when a bunch of people get together to celebrate - whether there is alcohol involved or not - things can get messy and unpredictable. The last thing you want is for your marriage to start out with a financial burden.
What is Wedding Cancellation Insurance?
You found the love of your life, and nothing will stop you from getting married, right? Of course! You wouldn't buy this policy if you were worried about getting cold feet. Wedding Cancellation is there to help you get your money back if something totally unforeseen forces you to cancel or postpone your wedding. We've helped many couples recoup their cash because of hurricanes, illness, military deployment, and even venue closures or damage. Your wedding day is here, and all is well until . . . you're out a deposit on a no-show vendor. The attire, rings, or gifts are lost, damaged, or stolen. You needed an extra $2000 for a tent to keep the wedding from being canceled. Wedding Cancellation insurance can also help reimburse you if your wedding continues as planned but something goes wrong.
Why Choose EventHelper.com?
With our easy and efficient online application and A-rated carriers to back up our policies, let EventHelper.com help you check insurance off your wedding to-do list. You'd rather talk to a human? No problem, our award-winning customer service team is ready to assist.
What sets us apart:
- Lowest prices
- Multiple carriers = more coverage options
- Higher limits available (up to $5 million)
- 15% discount when bundling cancellation & liability
- Rehearsal, ceremony, & reception included as one event
- Award-winning customer service
- Multiple deductible options (including $0)
- FREE host liquor liability
- Guaranteed Venue Acceptance or your money back
Thousands of satisfied customers can't be wrong!
EventHelper.com is the nation’s leader in wedding insurance and has been recognized by many in the industry as the top wedding insurance. Here are just a few places we have been featured:
Frequently Asked Questions
What is Wedding Insurance?
The most common type of Wedding Insurance is Wedding Liability Insurance. This is often required by the venue to protect the wedding couple in case they are liable for claims resulting from property damage and/or injury that occur during the event.
Does Wedding Insurance Cover change of mind?
Our Wedding Cancellation/Postponement coverage will help cover non-reimbursable expenses in the event that your wedding is cancelled for reasons completely out of your control. However, the policy will not cover those expenses if the wedding is canceled due to change of or mind or cold feet. Please note that it does not cover cancellations or postponements arising out of viral outbreaks such as COVID-19. Other exclusions may apply, please ask us for a sample policy for additional details.
Do you need insurance to serve alcohol at a wedding?
For most weddings where alcohol is served or sold by a caterer, professional bartender or the venue, those professionals need their own liability insurance coverage for the sale or service of alcohol. The wedding couple’s Wedding Liability Insurance should include Host Liquor Liability whether served by others, given away or BYOB.
Do I need event insurance for my wedding?
The purpose of Wedding Liability Insurance is to protect you if you are liable for damage and/or injury. Otherwise, you may be personally responsible and nobody wants a marriage to start out with that kind of financial burden. Usually required by the venue, but a good idea regardless.
Wedding Cancellation/Postponement Insurance, a separate policy from the standard liability,
What does Wedding Insurance cover?
Wedding Liability Insurance protects you from the financial burden you could be faced with if your wedding causes injury or damage. The simple act of putting up lights could cause wall damage. Or an accidental wine spill could cause your Aunt to take a spill and injure her wrist.
How much is Wedding Insurance for a wedding?
Wedding Insurance can start as low as $66 for a small wedding. A large wedding at a high-end venue requiring additional coverage could be up to $300. In the unlikely event of a claim, there could be a deductible.