Wedding Insurance

You’re about to seal the deal in the most important ceremony of your life. What could possibly go wrong?

Uncle Joe might have a little too much punch and knock over an expensive statue at the venue. A waiter can spill some water, leading to a slip-and-fall injury. The best man’s speech can immortalize the humiliation of your younger days.

While we can’t keep the best man at bay, Thimble’s Wedding Insurance can help protect you from the other incidents. Whether you have a day-long event or a weekend getaway, wedding insurance can protect you even if you have an extended ceremony and celebration.

Wedding insurance is a type of special event insurance that protects you if your big day runs into big trouble. As with other types of liability insurance, wedding insurance can help shield hosts and event organizers from the financial consequences of bodily injury or property damage claims from third parties. It also provides liquor liability in case one of your guests over-indulges.

Like other liability insurance, wedding liability insurance provides protection should property damage or injuries occur during your event. While no one wants anything to go wrong during their wedding and reception, you can’t always control things. (Like in marriage.)

Wedding insurance is not expensive! Premiums depend on several factors that include how hazardous your event is, how many people are attending and whether you will need additional liquor liability coverage. Depending on the size of your wedding, you could get Thimble insurance for as little as $115.

Here is a range of costs for various sized events, without additional liquor liability:

Whether or not you need wedding insurance will depend on where you have your wedding and reception. Suppose you are renting a venue for the ceremony, the reception or both. In that case, you will likely be asked to provide a certificate of liability insurance demonstrating that you have at least $1 million in liability coverage.

If you are having an event at a private family venue where you aren’t required to obtain insurance, you might want to consider getting it anyway. Remember that all the same risks exist at home. You don’t want to start your new life with a costly claim looming over your financial security.

Keep in mind that you don’t need to absorb all of the liability. As you hire vendors such as wedding planners and caterers, you’ll want to ask them to obtain liability insurance, add you as an Additional Insured and get proof of insurance as well. (An Additional Insured is added to a liability policy to extend protection to you under the vendor’s policy.) Just because you are covered doesn’t mean that you want all claims, especially those you might not be responsible for, to fall under your policy.

For example, if a caterer spills scalding soup on a guest, this should fall under the caterer’s general liability insurance—even if you have wedding insurance. Thus, make sure you get that Certificate of Insurance from all your vendors naming you as an Additional Insured when planning your special day. If they need coverage, you can help them find vendor general liability insurance.

The start of “for better or for worse” is much easier when you’re protected from the worst. For peace of mind when you walk down the aisle (or plan someone else’s nuptials), Thimble’s Wedding Insurance: Helps protect you against the financial consequences of claims for bodily injury and property damage from third parties

Comes with liquor liability for most events, and the option to add liquor liability for those who need to purchase separate coverage.