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Why do you need insurance for your wedding?

Why do you need insurance for your wedding?

  • Protect your Homeowner’s Policy/Renter’s Policy
    • Don’t take the chance of reducing your limits due to a claim at your wedding
    • Will your homeowners insurance even provide coverage for a wedding? Do you know?
  • A banquet facility is requiring you to carry your own General Liability and Liquor Liability Insurance and your Homeowner’s Policy will not provide the high limits required by the facility or sponsor, and/ or will not add an additional insured to the policy.
  • Homeowner’s Policy may cap their Host Liquor Liability limit at $300,000 or exclude host liquor completely.
  • Personal Umbrella Policy may contain a Liquor Liability exclusion.
  • Peace of mind your big day!  Make insurance one less thing about which to worry.
Claims Example for Wedding Insurance


  • General Liability – Claimant attended a wedding and got food poisoning from the seafood that was served. Medical bills totaled $8,500.
  • General Liability – A guest at a wedding damaged the white carpet when they spilled a glass of red wine. Property owner sued for the property damages totaling $5,400.
  • General Liability – A guest at a wedding slipped on a spilled drink while dancing on the dance floor. She suffered a severe knee injury which required several surgeries. Medical bills totaled $145,000.
  • Liquor Liability – A minor was served alcohol at insureds wedding reception. After leaving the reception, the minor got into his car, lost control of his vehicle and struck a telephone pole. Claimant suffered severe facial lacerations and sued the bride and groom and the banquet facility for illegal service to a minor. Medical bills totaled $275,000.
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