Yes, Your Wedding Needs Event Insurance

Photo by Andy Anthony

Nobody ever foresees needing any kind of insurance (and don't worry, this isn't a sales pitch) and so they especially don't think they'll need event insurance for their wedding! But trust me, as a wedding planner, you do! You should get the insurance.

Most people I've talked to think they don't need event insurance because there's no chance in hell they'd cancel their wedding, but I'm here to tell you, friends, that's not what event insurance covers.

Firstly, there are generally two types of event insurance: liability and cancellation coverage. Liability insurance is typically required by the wedding venue and they'll provide the parameters of how much you need and who to name as additional insured, etc., so check with your venue before you purchase this type.

Cancellation coverage protects you from financial loss due to cancellation, disruption, postponement or relocation of an event for reasons beyond your control. Note that it's due to reasons beyond your control! That means that it doesn't cover cold feet. Maybe the venue had to close or maybe there's extreme weather or wildfires or an earthquake. There are many reasons that people simply cannot anticipate that would necessitate cancelling or postponing a wedding. And with what weddings are costing these days, that's a financial loss you might want to think about protecting. The cost is minimal compared to the cost of weddings and based on the coverage you purchase.

Where can you get event insurance? Many people add it onto their homeowner policy or there are several companies who specialize in event insurance like Event Helper or Wedsure (I'm in no way affiliated with these companies, but my clients have used them).

So, yes, your wedding needs event insurance!

Happy Wedding Planning

Andy <3