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Celebrating the union between two people inspires friends and family to cut loose at the reception. As much as they are a celebration, wedding receptions are a recipe for disaster with dance floor antics, alcohol consumption, and excited people not always acting responsibly.
Wedding Reception Insurance can protect you from the consequences of costly liability claims that can result from accidents at your wedding reception.
Wedding Reception Insurance is a type of special event insurance that protects the event organizers (usually the betrothed couple) from dipping into the wedding budget when reception guests suffer a bodily injury, property damage, or personal and advertising injury.
Accidents can occur during the actual event, set-up, or breakdown. Claims can come from third parties such as guests, vendors, or the venue if their business property is damaged. With so much to keep in mind, Wedding Reception Insurance makes it easy by providing the investigation and legal defense of claims, as well as helping to pay for damages when you are found liable.
Protection from Thimble’s Wedding Reception Insurance kicks in after accidents happen and a claim is made against you. It can keep you from having to pay for damages when others say you’re responsible for their injury or property loss.
Protection from Thimble’s Wedding Reception Insurance kicks in after accidents happen and a claim is made against you. It can keep you from having to pay for damages when others say you’re responsible for their injury or property loss.
The types of claims covered by Wedding Reception Insurance include:
Much less than the cost of the caterer. Wedding Reception Insurance for a small wedding reception could cost as little as $115 but this final price is contingent on how big the party is, what activities are planned for the event, how long your reception is, and whether or not you are in the business of selling alcohol.
While most wedding receptions have traditional activities such as dancing and catching the bouquet, some destination weddings may gather attendees from around the world over several days. The longer your event is, the more your premium will be.
Here’s a range of Thimble’s Wedding Reception Insurance costs for one day:
Whether you are the bride and groom, or the parents of the bride and groom, whoever is planning and throwing the party needs to get Wedding Reception Insurance. It’s the sponsor of the event that holds a risk of liability, even if you are a wedding planner.
Furthermore, the reception venue will more than likely require that you get general liability insurance. In fact, most venues require at least $1 million in coverage. Along with their business insurance, making sure that you are insured is their way of protecting themselves from the financial risks involved in providing a venue.
We keep talking about risk, but what exactly can go wrong at a wedding reception? Common risks include slip-and-fall accidents as everyone dances the night away, or having hot food and drinks served at an event. Things can spill, people can get burned, and clothing can be ruined. That’s right, when your cousin elbows your high school friend to get the bouquet, you could end up paying for their broken nose.
Furthermore, you could be held liable for injuries or property damage caused by the caterers or the band. You should ask them to get their own general liability insurance and list you as an Additional Insured on their policy so you are protected if you’re named in a lawsuit because of their activities.
There’s no telling what can happen when your aunt breaks out dance moves that she hasn’t done in decades.
It doesn’t take much for someone to get hurt or someone’s property to get damaged, leaving you to face a costly claim alone when you should be celebrating. This is why every reception should be covered by Wedding Reception Insurance.
That’s the benefit of Thimble! We offer flexible coverage for one-day events but can cover you for up to five days if needed.
Yes. Just because the venue has commercial liability insurance, you aren’t off the hook for your liability. In fact, the venue will most likely want you to get special event insurance that names the venue as an Additional Insured, requesting a Certificate of Insurance (COI) as proof of a valid, active insurance policy.
The short answer is, maybe. Check with your homeowners insurance policy to determine if you need separate Wedding Reception Insurance coverage.
The baseline policy with Thimble provides a $1 million per occurrence limit with a $1 million aggregate limit. You can increase this coverage to a $2 million per occurrence limit, with a $2 million aggregate limit, for a slightly higher premium.
No. Thimble does not offer event cancellation insurance, although you are able to cancel your policy at any time for any reason as long as it is before the designated policy start date/time.
Yes. You want Wedding Reception Insurance for every event that you plan. On top of that, you’ll want to get event planner insurance for your general business insurance needs.
Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.