Wedding Insurance Massachusetts

Wedding Insurance from Massachusetts SPecialists

What is Wedding Insurance?

Wedding ceremonies and receptions are times of great celebration with friends and family. The activities that go on at weddings, however, expose hosts to a range of potential risks. Wedding insurance gives people who are planning weddings in Massachusetts a way to protect themselves from some of the risks they face.

Wedding insurance is a specialized form of event insurance. Policies are uniquely underwritten to give hosts the protections they need, and most policies do so by combining several wedding liability insurance coverages into one package policy.

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Who in Massachusetts Should Consider a Wedding Policy?

Most people who are planning a wedding somewhere in Massachusetts should consider purchasing a wedding policy. This includes (but isn’t necessarily limited to):

  • Couples who are getting married
  • Parents or others who are paying for a large portion of a wedding
  • Parents or others who are issuing wedding invitations
  • Anyone who owns land on which a wedding is taking place

Depending on the nature of an incident or liability claim, the wedding liability insurance coverages offered by a policy might help any of these people.

Moreover, hosts don’t necessarily need to live in the state to purchase a policy. Out-of-state hosts who are planning a wedding in Massachusetts often can still get a policy from an in-state agent.

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Wedding Insurance Massachusetts

What Wedding Liability Insurance Coverages Are Available Through Wedding Policies?

Depending on their terms and conditions, wedding policies may offer a range of wedding liability insurance coverages. Some of the more widely available coverages are:

  • Bodily Injury Liability Coverage, which may cover guests’ injuries
  • Property Damage Liability Coverage, which may cover damage sustained by third parties’ property
  • Liquor Liability Coverage, which may be necessary if alcohol is offered to guests
  • Umbrella Liability Coverage, which usually serves as a secondary liability protection

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Do Wedding Policies Make Other Coverages Available?

Some wedding policies offer other coverages for wedding hosts. These other coverages tend to protect deposits and payments that hosts make. A few examples of other coverages that a policy might make available include:

  • Military Service Coverage, which may pay to reschedule the wedding if a spouse is called to active duty
  • Gowns and Tuxedos Coverage, which may pay to replace damaged clothing that’s rented
  • Catering and Cake Coverage, which may pay for another vendor if the original cater fails to provide food or a cake
  • Wedding Photographer Coverage, which may pay to reassemble the wedding party if day-of photos don’t come out

In some cases, wedding policies focus on these coverages and less so on wedding liability insurance coverages.

To make sure they end up with a policy that provides the right coverages for their particular wedding, hosts should work with an insurance agent who specializes in this type of insurance. A specialized agent will be able to make informed coverage recommendations, and they’ll know what policies offer the chosen coverages.

Wedding Insurance Massachusetts

Do Wedding Policies Cover Honeymoons?

Wedding policies usually don’t cover honeymoons, and couples who would like such coverage typically need to purchase a separate policy. Agents who are familiar with wedding policies may be able to assist with finding coverage for a honeymoon, though.

How Can Couples and Other Hosts of Weddings Get Wedding Insurance?

For help insuring a Massachusetts wedding that you’re hosting, contact the independent insurance agents at Scotti Insurance Agency. Our agents have the expertise necessary to help you find a suitable wedding insurance policy with robust coverages, and they’re free to recommend the best available policy regardless of what insurance company offers it because we’re an independent agency.

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