As a wedding professional I get questions about insurance and liability all the time. We always like to believe that nothing will go wrong on your wedding day, however some things are beyond our control. There are a variety of things that can happen from roads being shut down due to weather to your gifts all being stolen out of your trunk. You want to protect yourself when you are investing this much time and money.
So why should you get wedding day insurance?
At many wedding and reception venues it is actually required. You want to make sure to ask your venue of choice whether this is a requirement. Also, read your contract thoroughly to see who is liable for things outside of your control, such as weather or vendor mishaps.
Wedding day insurance will protect you, as the paying guest and host of the event, if there is property damage or one of your guests gets injured. You never know what can happen when you mix two families, a bunch of friends, and a really good time together.
And speaking of mixing friends and families and a good time, you want to protect yourself against alcohol related accidents. When the reception is over and everyone leaves, this insurance can cover all of your guests until they get to their accommodations as well as what may happen during the actual reception.
With many insurance companies, as a home owner you can add wedding day insurance with your current policy. This is a very inexpensive way to cover yourself and can actually go through your parents insurance if you are not a current home owner. There are also insurance companies that cater to wedding day insurance such as WedSafe and WedSure. Make sure when obtaining wedding day insurance, that you know exactly what you are covered for and what you're liable for.
Your wedding day is going to be amazing, how nice to be able to relax and know that you are insured no matter what happens.