What You Should Have

Your wedding is an investment. And you need to protect your investment. With everything that could happen leading up to a wedding and what can happen on the day of the wedding, we are huge proponents of Wedding Insurance. 

You should purchase Wedding Insurance as soon as you start putting down deposits. 

There are two different types of policies that we recommend.
Liability and Cancellation. 

Liability Insurance is designed to protect and reimburse you for certain losses from accidents that occur during the rehearsal, wedding and reception. It will cover things like damage to the venue caused by a guest or vendor, bodily injury to guests, or even alcohol-related accidents. This is your basic policy that will likely be required by your venue. 

Cancellation Insurance protects the non-refundable deposits on everything connected with the wedding, should it be cancelled or postponed for a covered reason. This is the investment you would lose if you were forced to reschedule your wedding at the last minute and lost all of your non-refundable deposits. 

Here’s a sample breakdown of how Cancellation Insurance can come to your aid:

Here are a couple different companies to get your search started.

If you currently have homeowners insurance, reach out to your provider and see if they offer an event insurance add-on. We also recommend using your homeowners insurance company for weddings with budgets exceeding $175,000.

What Your Vendors Should Have

Here, there are two different types of policies as well:
General Liability and Professional Liability (also known as Error and Omissions)

General Liability Insurance, sometimes called Small Business Liability Insurance or Commercial Liability Insurance, provides insurance coverage for the business against claims made by others including bodily injury, damage to property, or personal injury. Again, this is your most basic insurance policy and is likely what is required by your venue. 

Errors and Omissions Insurance, a form of Professional Liability Insurance, is designed to protect employees and employers against clients’ claims of negligence or inadequate work. This type of policy basically covers court costs and associated costs in the unlikely event the business is sued.