
Third-party, non-employee bodily injury
Navigating dancefloors in high heels and jostling for a slice of the wedding cake create an environment where accidents can happen. If a reception guest gets hurt while attending your event, you could be held liable for the medical costs due to their injuries.
Third-party property damage
Guests often wear their best clothing and jewelry to receptions. If someone’s property gets damaged, you could be held liable for the cost of replacing it. Wouldn’t you rather pay for your own wedding attire?
Damages from liquor liability
When alcohol is served, there is a greater risk of accidental injury or damage. If someone who was drinking has an accident, you could be held liable for the resulting injury or damage. Event insurance arranged by Thimble includes liquor liability coverage at no additional cost if you are not in the business of selling alcohol. If you are in the business of selling alcohol, then you may need to purchase additional liquor liability coverage.
Personal and advertising injury
A poorly-planned seating chart leads to an argument between you and your guests. Event insurance can protect you against claims alleging libel or slander that are brought against you as a result of these arguments.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Wedding Reception Insurance FAQs
What if I only need wedding reception insurance for a day?
That’s the benefit of Thimble! Thimble’s special event insurance policies offer flexible coverage for one-day events but can cover you for up to 5 days if needed.
Do I need event insurance if my venue has commercial liability insurance?
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.
Do I need event insurance if my event is held at a private home?
The short answer is, maybe. Check with your homeowners insurance policy to determine if you need separate Wedding Reception Insurance coverage.
What are Thimble’s special event insurance coverage policy limits?
The baseline policy with Thimble provides a $1 million per occurrence limit with a $1 million aggregate limit. You can increase this coverage limit to a $2 million per occurrence limit, with a $2 million aggregate limit.
Does special event insurance via Thimble cover event cancellation?
No. Thimble’s special event insurance policies do 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.
I’m a wedding planner, do I need event insurance?
As a professional in the business of planning events, you’ll want to get event planner insurance for your general business insurance needs.
Quick-thinking insurance for fast-moving businesses.
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Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.
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