Wedding insurance is a type of special event insurance designed specifically for weddings and receptions. Event insurance is a broader category that applies to all types of events, including weddings, parties, festivals, and corporate gatherings.
Most venues accept either as long as the offered coverage meets their requirements.
What Does Wedding insurance Typically Cover?
There are two types of policies commonly referred to as Wedding insurance
General liability insurance is the most common(due to the fact that it is required by most venues) and protects the couple (or event host) from financial loss if they are held legally responsible for bodily injury or property damage that occurs during their wedding events. Cancellation insurance reimburses you for non-refundable expenses if your wedding must be postponed, canceled, or significantly altered due to an unforeseen, covered event beyond your control.
General Liability insurance includes:
- Bodily injury
- Property damage
- Liquor liability
- Coverage for lawsuits and legal defense
- Additional insured endorsements
Cancellation insurance includes:
- Venue issues
- Extreme weather
- Vendor failure
- Illness or injury
- Military deployment
Which Should I Choose?
If your event is a wedding, wedding insurance is appropriate. If your event is anything else, or if your venue just requires general liability, event insurance may be the better choice.
Event Helper offers coverage for both.
FAQs
Is wedding insurance required by venues?
Yes. Many venues require liability insurance for weddings.
Is wedding insurance more expensive?
Not usually. Pricing is similar to general event insurance.
Does wedding insurance include cancellation coverage?
No. Wedding Liability and Wedding Cancellation can often be purchased together but they are always two separate policies.
Do I need separate coverage for rehearsal dinners?
No. Most wedding policies are designed to cover the rehearsal, the ceremony, the reception, and even a brunch the following day.
Can I get insurance for destination weddings?
Event Helper's traditional online program is limited to the 50 US states, but they do offer coverage for international events and destination weddings through their custom products division.
