You've dreamed about it all your life. Planned for it for what seems like forever. Don't let an unforeseen happening ruin your wedding day. There are many factors outside your control that can affect or even postpone your special day.

We have arranged for a suite of coverages specifically designed for weddings, including your rehearsal dinner and reception. You can customize the limits to fit your exact needs.

Policy Includes:

  • Personal Liability-$2,000,000 Aggregate /$1,000,000 Per Occurrence Limit. Injury to guests or damage to sites.

Options Available for Additional Premium:

  • Postponement/Cancellation. Injury to bride/groom, severe weather, damage to wedding site, unemployment, etc.
  • Additional Expense For additional expenses necessary to arrange alternate services to avoid a covered postponement of the wedding.
  • Wedding Photographs & Video Film lost, damaged, stolen or not properly developed. Photographer fails to appear. This coverage allows you to reunite the wedding party for a re-shoot.
  • Wedding Gifts To repair or replace non-monetary gifts which are lost, stolen or damaged.
  • Loss of Deposits Lost deposits that you have paid if they become non-refundable as a direct result of anyone hired to provide goods or services going out of business.
  • Bridal Gown & Special Attire To repair or replace when it is lost stolen or damaged, including financial failure of the bridal store.
  • Jewelry To repair or replace owned, borrowed or rented jewelry that is lost stolen or damaged.
  • Rented Property & Equipment Tents, tables, chairs, audio equipment, etc.
  • Excess Liability- Up to $10,000,000 Per Occurrence

Here are some examples of claims that are covered under the various coverage options of our Wedding Insurance package policy:

Claim Examples:

Personal Liability

  • A guest slips and falls.
  • A guest has too much to drink and injures himself or others.
  • The reception site is damaged when the caterer accidentally causes a small fire.


  • Bride, groom, or others crucial to the wedding are unable to attend due to illness or injury.
  • Extreme bad weather prevents the celebration from taking place or a majority of the guests from attending.
  • The ceremony official fails to appear.
  • The caterer doesn't arrive with the food.
  • The ceremony or reception site is damaged.
  • The ceremony or reception site closes due to financial failure.
  • Honeymoon has to be cancelled due to illness of the bride or groom.

Wedding Photographs & Video

  • The photographer fails to show.
  • The film used for your photos is defective, or the negatives are lost, destroyed, or improperly developed.

Wedding Gifts

  • Wedding gifts are stolen.
  • While being transported, the gifts are damaged in a car accident.

Loss of Deposits

  • The ceremony or reception site goes out of business.
  • The honeymoon cruise operators goes out of business.
  • Your dressmaker, or limousine company, or caterer, or hotel, or entertainer, or photographer, etc. goes out of business.

Bridal Gown & Special Attire

  • The bridal gown is damaged when the train is accidentally caught in a car door.
  • The groom's tuxedo is lost while being carried home after a fitting.


  • The wedding band is misplaced
  • A borrowed diamond necklace to be worn by the bride is lost.

Program Features:

  • $2,000,000 Aggregate / 1,000,000 Per Occurrence Liability Limit (Higher limits available upon request).
  • Host Liquor Liability.
  • No charge for Additional Insureds.
  • Property Damage to the rented site included.
  • Coverage can begin up to 2 years prior to your ceremony, but you'll only pay a one-time premium.
  • Admitted insurance carrier rated A.
  • Available in all states. Premiums in Connecticut, Florida, Vermont and Washington may be higher.
  • Flexible coverage options.
  • Unless you apply at least 30 days in advance of your wedding, rates & coverage may differ.
  • Once quoted, your premium must reach us at least 14 days prior to the start of your policy.

Notable Exclusions:

  • Motorized Vehicles
  • Postponement / Cancellation due to change of heart.
  • Postponement / Cancellation due to weather if policy is purchased less than 15 days prior to the event date.

If you are a photographer, caterer, band or decor company and are looking for your own liability insurance, please see here

Premium Examples :

Personal Liability $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Postponement/Cancellation None $2,500 $5,000 $10,000 $20,000
Wedding Photographs None $1,000 $2,500 $5,000 $10,000
Wedding Gifts None $1,000  $2,500 $5,000 $10,000 
Loss of Deposits None $1,000  $2,500 $5,000 $10,000 
Wedding Gowns & Attire None  $1,000  $2,500 $5,000 $10,000 
Wedding Jewelry None $1,000  $2,500 $5,000 $10,000 
 Total Cost: $240 $300 $400 $502 $654

Premiums shown are examples only. You can customize all limits to fit your wedding's needs.
All property related claims are subject to a deductible of $25 each.
The Personal Liability coverage has a $1,000 Property Damage Liability deductible.

All premiums shown include a $125 broker fee.

How to Apply:

  1. Click on the Apply Online Button below, complete and submit our application.
  2. Normally within 1 business day, we will email or fax you a written quotation.
  3. Remit payment and your Certificate of Insurance will be delivered via email or fax.
Last Updated: April 15, 2014