It’s every couple’s worst nightmare. The wedding is planned, the deposit is paid, and then disaster strikes. Sometimes it comes in the form of bad weather, other times it’s a vendor bailing at the last second. Whatever the reason, wedding insurance can help protect you.
Types of Wedding Insurance
There are two main types of wedding insurance. Liability insurance and cancellation coverage. Sometimes they are lumped together in one package and other times you will have to get both separately to create a bundle yourself.
Liability insurance covers anything you are responsible for. This is especially important for anyone hosting their wedding on private property like a family farm. If someone, for instance, was injured at your wedding (such as in a slip and fall) having liability insurance protects you. Venues and vendors should have liability insurance that covers your event; ask to see proof of insurance when you are booking.
The other type of insurance is cancellation insurance. This will cover you in case the event is cancelled due to unforeseen circumstances outside of your control. No insurance covers cold feet or a runaway bride, but this insurance will protect you from many other things.
The most common areas of coverage are vendor failures, sickness and injury, extreme weather, property damage, lost or stolen gifts, and dress damage. Some policies also cover military deployment, but not all, so make sure you ask questions of your insurance provider if this applies to you.
Weddings can be expensive. You don’t want to lose your investment if the worst is to happen. Want to learn more about insuring your wedding? Look out for our feature in the spring issue of Wedding Guide Magazine!