Wedding insurance 101

wedding cake and venue for wedding insurance

As you plan for your wedding day, you know there’s no catastrophe worse than rain(although they say it’s good luck). At the same time, you know that there are some possible events you can’t prepare for. From a natural disaster in your area to your best man losing both wedding bands, there are simply instances that defy careful planning.

Yet, if you’re looking for a way to calm your mind as the big day approaches, one thing you might want to consider is wedding event insurance. This could help protect you from the risk and financial liability in the case that something does go wrong. Read on to learn everything you need to know about wedding insurance.

What is wedding insurance?​

Wedding insurance is a specific kind of special event insurance designed to protect couples from financial liability for accidents that may take place on the wedding day. There are two general kinds of wedding insurance:

Liability insurance – Between an open bar, an unfamiliar setting, and a day of revelry, one of your guests could damage their property or get hurt. In addition, your party may damage the venue’s property or an expensive piece of your bridal wardrobe. Wedding liability insurance is designed to create a safeguard in situations like these.

Cancellation insurance – Weddings are expensive. In the event that your wedding is canceled due to a natural disaster, government-mandated shutdown, or a hazard at your venue, cancellation insurance can help you recoup nonrefundable wedding expenses.

Which one(s) do you need for your wedding?​

It depends on how much protection you want. Some wedding insurance providers will cover both, or you could always opt for one or the other. To better understand wedding liability coverage, we’ll take a closer look at these two kinds of insurance.

Wedding liability insurance​

>Wedding liability insurance is designed to protect policyholders from third-party claims of personal injury, bodily injury, and property damage. A wedding liability policy might protect you in situations like the following:

Bodily injury

Your wedding will include food, dancing, and celebration—sometimes, a little too much celebration. Should one of your guests slip and fall on the dance floor, you could be held liable for their bodily injury.

3rd-party property damage

Guests wear their finest wedding attire to your affair. Should one of their designer bags get doused in wine, they could hold you liable.

Defense costs

When you get engaged, you never imagine you could end up in court. However, if your guests are litigious, they could sue you to collect damages in a scenario like the above.

Medical liability coverage

Should one of your guests have an allergic reaction to an ingredient in your wedding meal, you could be liable.
Depending on your policy, you may also be able to take out specific insurance coverage for your wedding attire, jewelry, and high-value gifts from your registry that are brought directly to the wedding venue.

Wedding cancellation insurance​

Wedding cancellation insurance is designed to protect a couple’s financial stake in a wedding. Cancellation insurance covers more than just cancellation. Depending on the specifics of your policy, it might reimburse you for nonrefundable costs due to the three following circumstances:

Cancellation – Cancellation insurance coverage can, as the name suggests, help reimburse you in the event that your wedding is canceled due to unforeseen circumstances.

Postponement – If the wedding can still go on at your venue on a different date (after an emergency has passed), cancellation insurance might also help you cover the costs associated with reprinting programs, rebooking vendors, and re-renting your wedding venue. Beyond emergencies, postponement in the event of military deployment, for example, may be covered.

Rescheduling – If you reschedule your wedding entirely, you may lose your deposits with vendors, venues, transportation companies, and more. Depending on the specifics of your policy, your cancellation insurance may help with these costs, too.

However, wedding cancellation insurance can’t help protect you in all possible causes of cancellation. For example, in the following scenarios, you would not be covered:

Inability to afford your wedding – if your caterer remains unpaid at the end of your special day, your insurer likely can’t step in to cover the cost (unless your lack of funds was related to unexpected job loss).

One party backs out – if the bride gets cold feet, your insurer would likely claim the couple is at fault for their wedding’s cancellation, and would not reimburse them for costs.

Doesn’t another insurance policy already cover that?​

When you get married, you may assume that your venue, your vendors, and even your wedding planner already have insurance that should cover costs in the event of the claim. If you’re not sure, ask in advance whether they have general liability insurance and professional liability insurance.

General liability insurance protects against client and third-party claims of bodily injury, personal and advertising injury, and property damage.

Professional liability insurance protects companies against claims of errors, omissions, and mistakes related to their work.

It’s great if your vendors and venues have their own insurance policies, but that doesn’t mean they’ll cover costs related to your wedding. You likely took on your venue’s liability when you rented it out. Additionally, your guests may be the most likely to sue you when your vendors’ insurance comes up short.

Taking out your own special event insurance policy can help you rest easy as your big day approaches, knowing that you’re protected in the event that something goes wrong.

For better or for worse...​

If you’re worried about the possibility of a disaster on your big day, don’t let it keep you from tying the knot in peace. Instead:

  • Consider taking out liability insurance in case a guest experiences injury or property damage.
  • Consider event cancellation insurance to protect your financial stake in the wedding.
  • Check with your venue and vendors to make sure they’re insured.

With these items crossed off your to-do list, you won’t fear the sound of wedding bells ringing. Being prepared lets you have your cake and eat it, too.

Affordable coverage, flexible policies ​

Thimble offers small business insurance for the 21st century. With our revolutionary pay-when-you’re-working structure, you can choose a wedding insurance policy that goes by the hour, day, or week. Need to make changes on the fly? You can add Additional Insureds and generate as many COIs as you want—all for free.

If your vendors need general liability and professional liability insurance, we can help with your coverage. By clicking “Get a Quote” or downloading the Thimble mobile app, cruising through a few details, reviewing your quote, and making a purchase, you can get insurance in less than 60 seconds.

You want guarantees on a day as big as your wedding. In addition to feeling loved, you want to make sure all the other pieces are in order. And when it comes to general liability and professional liability, we’re here to help. Learn more about our coverage options for your special day from our experts today.

Our editorial content is intended for informational purposes only and is not written by a licensed insurance agent. Terms and conditions for rate and coverage may vary by class of business and state.

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