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