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Wedding Insurance That Is Easy and Surprisingly Affordable

Quote for a $25,000 wedding with 200 guests

General Liability Coverage
$1 million per occurrence/ $2 million aggregate
price 125
  • Liability for damage or injuries to guests
  • Host liquor liability protects against liquor related incidents
  • Medical expense coverage in case a guest is accidentally injured
Wedding Cancellation/Postponement Coverage
200 Guests
price 359
  • Cancellation or postponement of your wedding event
  • Loss of deposits
  • Photographs and video
  • Wedding gifts/ Special attire/ Special jewelry

Coverage costs are subject to underwriting review and approval according to actual policy terms and conditions. Rates may vary based on a number of factors, including value and primary location.

Why Get Wedding Insurance?

For most people, especially younger couples, the cost of a wedding is one of the major expenses of their lives up to that point.

With the median cost of weddings at $20,000 it makes sense to get insurance coverage for basic liability as well as wedding event cancellation or postponement.

Wedding Liability Insurance, for example, protects you and your spouse-to-be in situations where you are liable for damage to a venue and or injury to an attendee. Otherwise, you could be personally responsible if something happens. And you probably don’t want your marriage to start out with that kind of financial risk. In any case, liability insurance is usually required by the wedding venue.

Event Helper Wedding Liability Insurance provides coverage starting at $1M/$2M up to $2M/$4M

Host liquor alcohol coverage at $1 million per occurrence and $2 million aggregate whether served by others, given away or BYOB.

Event Helper Wedding Cancellation Insurance provides coverage starting at $7,500 up to $100,000

Reimbursement for expenses related to wedding cancellation or postponement up to the cost of the wedding. Insurance coverage depends on the number of guests and budget for your wedding. Please note that wedding cancellation insurance does not cover cancellations or postponements arising out of viral outbreaks such as COVID-19.

Wedding Liability Insurance

Wedding liability insurance protects you from the financial losses if your wedding causes any injury or damage. A majority of wedding venues will require you to provide proof of wedding liability insurance in order to hold your event. This is the most common type of wedding insurance, since many wedding venues require proof of liability when you contract with them, including

  • Liability for damage or injuries to guests at your wedding and reception
  • Host liquor liability protects against liquor-related incidents
  • Medical expense coverage in case a guest is accidentally injured during the wedding
Wedding-Liability-Insurance

Wedding Cancellation/Postponement Insurance

Wedding Cancellation or Postponement Insurance reimburses you for non-refundable expenses if your wedding is canceled or postponed for reasons beyond your control. For example, you can get reimbursed if your florist goes out of business prior to the wedding, and you lose the deposit on your floral arrangements. Or, if your venue is closed due to damage from a fire, cancellation coverage would pay for your lost deposit and the additional expense of rescheduling or changing venues.

Postponement-Insurance

Cancellation or Postponement Insurance offers several coverage options for your special day including:

  • Cancellation or postponement of your wedding event
  • Extra expenses related to cancellation or postponement
  • Photographs and video
  • Wedding gifts
  • Special attire
  • Special jewelry
  • Loss of deposits
  • Professional counseling

Frequently Asked Questions

What does wedding liability insurance cover?

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There are multiple aspects of wedding liability coverage that provide comprehensive coverage for your wedding event:

  • Liability coverage includes coverage for property damage and bodily injury.

    • Property damage covers incidents to your guests’ property or the venue’s property. E.g. Aunt Irma spills a glass of red wine on the carpet permanently staining it. Property damage liability insurance would cover the costs to replace the carpet.

    • Bodily injury covers accidents and injuries to your guests. E.g. the DJ’s light equipment accidentally falls on one of your guests breaking a finger. Bodily injury will cover their ambulance ride, ER visit, and any following physical therapy.

  • Liquor liability coverage insures for any property damage or bodily injury claims arising out of the service of alcohol. Its purpose is to protect you from being held liable for the bad behavior of your guests who may have consumed too many alcoholic beverages.

    Example: your rowdy cousin decides to have a few too many, and starts a physical altercation with the hotel concierge. Should anything happen to that concierge, you are covered.

  • Medical Expense coverage provides no-fault coverage that pays the medical expenses when there is no actual fault or liability for an accident at the wedding. Example: Aunt Irma slips and falls on the dance floor spraining her ankle and has to go to the emergency room.

Are there any exclusions in a wedding liability insurance policy?

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There are some important exclusions to most wedding liability policies that you may want to consider for your special day.

Liability coverage covers the venue and the guests, but it does not cover the named insured (typically you and your future spouse). In addition, liability policies typically do not cover excessively risky activities during the wedding celebration such as amusement rides, fireworks, sporting events, cannabis use, etc.

In some cases, your wedding venue may request that it be added as an additional insured to your wedding insurance policy. By adding the venue as an additional insured, your venue is also protected by the same coverage as your liability policy in case of an accident or injury. As an alternative some venues may ask for a waiver of subrogation. This option would forbid your policy from seeking reimbursement from claims against the venue or the venue’s insurance policy in the event of a claim.

When you hire a vehicle or drivers for your special day such as a stretch limo, shuttles, or golf carts, they are not automatically covered by a liability policy. Depending on the circumstances, you may need to add coverage called Hired non-owned Auto.

It will cover any bodily injury or property damage caused by your driver or vehicle. Other rented equipment, like photo booths, popcorn machines, carnival rides, etc. are not typically covered by a liability policy but coverage may be available as added options under a postponement/cancellation policy.

Are there any exclusions for wedding cancellation or postponement insurance?

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Keep in mind that wedding cancellations or postponements due to outbreaks or restrictions from the Corona virus are not covered by the policy. In addition, reimbursement for catastrophic events that cancel the wedding is only available seven days after the policy officially “binds'' or takes effect. Deductibles may also apply to any of the options offered.

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Contact

805 Greenwood Street
Evanston, IL 60201

info@brite.co

BriteCo Inc. is a licensed insurance agency in all fifty states and the District of Columbia.
Please see the Licenses section of this website for more information. All insurance policies underwritten and issued by Glencar Insurance Company and administered by BriteCo.