Wedding Public Liability Insurance

What is public liability wedding insurance?

Wedding public liability insurance is a type of insurance that protects or cover you up against claims made against you by third parties if they are injured during your wedding, or if their property is damaged, and there has been some sort of negligence by you or one of your guests.

Some of the instances that can occur are as follows:
*If one of your guests negligently damages an expensive painting at your venue
*If one of your guests negligently spills a hot cup of coffee over another guest scalding them.

How much does the Wedding Public Liability Insurance covers?

Public liability insurance for wedding claims can be for any amount, so we think it’s wise to insure for as much as you think you’ll need.

Many wedding venues or destinations always insist their clients, guests or customers to have your own wedding public liability insurance. Check your contract with the wedding venue owner or manager for more information. Often times, they will require you to organize your own wedding public liability insurance.

Many couples or soon to be wed are now purchasing or investing on the wedding liability insurance to avoid a large financial loss in the event some things do not go as planned. Wedding liability insurance policies do vary, with specific coverage for different scenarios in which additional premiums can be paid in order to raise the limit of coverage.

Wedding Liability Insurance mostly covers the following scenario:

*In the event you had to postpone your wedding due to a death in the family or for some other unforeseen cause, wedding liability insurance would cover those non-refundable deposits you placed with your venue, reception location, and others.
*It would also cover an injury which occurred during your wedding or reception such as someone falling on the dance floor and breaking a leg.
*Loss of non-refundable deposits for unforeseen circumstances (i.e., the person performing the wedding ceremony is a no-show)
*Bodily injury or property damage with optional coverage choices for medical payments
*Optional photography insurance in case the one hired does not show or due to accidental damage to photo negatives
*Wedding gifts which are damaged or lost, and additional optional coverage for rental items and wedding attire.

And the ones not mostly covered:

*Postponed or abandoned wedding due to change of mind of either one of the couple.
*Band that does not play the correct music
*Wedding cake delivered in the wrong flavor.

Wedding Public Liability Insurance is a great feature or option for any couple who is planning on getting married. This can save you more money and even, save you from stress and headaches if something goes wrong. Remember, wedding is an special event, so, even if we hope for the best on the wedding day, you should always plan for the worst.

Pin It