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
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.
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.
