Wedding Event Insurance

August 22nd, 2022

Weddings are a major investment. In 2022, the average couple will spend $27,000 on their nuptials, with most of the budget going towards the venue, catering, and clothing. Many vendors and locations require hefty deposits or down payments and can have pricey cancellation fees if plans change.

Any time you plan on spending a large amount of money for a special event, you should consider insurance. Accidents can happen at the event, wedding plans change, and freak occurrences can occur.

What is Wedding Event Insurance, and What Does it Cover?

Wedding insurance is an easy and affordable form of insurance that gives you protection on your wedding day. BriteCo™ offers two types of wedding insurance coverage: general wedding liability insurance and wedding cancellation and postponement coverage.

General liability insurance offers coverage in case someone is injured, or the venue is damaged, liquor-related liability if alcohol is served, and medical expenses if someone is seriously hurt.

Wedding ceremony cancellations/postponement coverage covers loss of deposits, changes to photography or video costs, and the replacement of special clothing and items.

How Much Does Wedding Event Insurance Cost?

Wedding event insurance is very affordable . Quality insurance providers like BriteCo™ can provide general liability coverage as low as $125.95 for up to $2 million in total coverage with $1 million per occurrence and cancellation/postponement coverage for up to 200 guests for as low as $359.83.

How Much Does Wedding Event Insurance Cost?

What Are the Benefits of Having Wedding Event Insurance?

Wedding event insurance gives you peace of mind and protection for your special event from unforeseen circumstances. Weddings are complex events, and problems can quickly arise from numerous factors. If you have wedding event liability insurance and postponement cancellation coverage, you are protected. And more importantly, insurance can help protect you from taking a financial hit should anything change or go wrong.

How to Choose the Right Wedding Event Insurance Policy?

Choosing the right wedding event insurance policy depends on the insurance provider and the specific policy. It is crucial that you choose a reputable insurance provider with experience adjudicating wedding-related claims like BriteCo. You need to select the right policy for your wedding, ensuring that it matches the size and scope of your big day.

How to Choose the Right Wedding Event Insurance Policy?

Things to Consider Before Purchasing Wedding Event Insurance?

Certain factors should influence your decision when purchasing wedding event insurance. These factors can help you decide if you need to add additional coverage like Hired non-owned auto, adding the venue so it is protected in case of damage, or including rented equipment under a cancellation/postponement policy.   

  • Wedding venue: indoor or outdoor, easily damaged, or history of cancellations.
  • Location: Local rules and regulations, if it is a destination wedding, the number of guests traveling to the ceremony.
  • Time of year: potential for inclement weather.
  • Vendors: number of different vendors, their specific rules for deposits, cancellations, and penalties.
  • Guests: number of guests, age of guests.
  • Vehicles: self or chauffeur-driven, presence of less safe vehicles like golf carts.
  • Alcohol: if alcohol is present, how much, what kind, and how much can guests drink.
  • Additional dangers: like fireworks, amusement rides, and picture props that could be choking hazards.

How to File a Claim with Your Wedding Event Insurance Provider?

If you choose a policy from a reputable insurance provider like BriteCo, filing a claim is easy. Simply log on to our claims website, follow simple prompts and instructions, and fill in the required information. We will process your claim as quickly as possible.

BriteCo™ Wedding Event Insurance for Your Big Day

BriteCo wedding liability and cancellation insurance can give you peace of mind and security on the happiest day of your life. Contact us to ensure that you are protected from mishaps on the big day and help protect you from unforeseen events that require a postponement or cancellation of your ceremony or reception.

Log on to our simple-to-use website and get an affordable bespoke policy in minutes. Contact us today and plan your wedding in confidence.

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Dustin Lemick

About the Author

Dustin Lemick is the Founder and CEO of BriteCo and a third-generation jeweler with over thirteen years of retail jewelry experience. He holds a Graduate Gemologist degree from the Gemological Institute of America (GIA) and has in-depth knowledge and expertise in appraisal systems, diamond and gemstone markets, retail pricing models, insurance replacement models, and jewelry quotation pricing systems.