What to Do When Your Wedding Venue Requires Insurance


The average wedding in the United States costs $33,000; that's more than many Americans spend on a car. Getting insurance for your car is a must - and for many couples, so is getting insurance for their wedding.

Many venues require wedding event insurance in order to host the ceremony and/or reception on their premises. If your venue has asked you to get this kind of insurance, there are a few things you need to know in order to get the right policy. Philadelphia Insurance Companies (PHLY) can provide the expertise and coverage you need to make sure you can focus on the important things on your big day.

Know Your Wedding Venue's Requirements

Many venues require wedding event insurance. When a venue asks for wedding liability insurance, what they're looking for is a type of special event insurance. Special event policies cover losses associated with property damage and bodily injury that may occur at an event. Wedding insurance is a type of special event policy that specifically covers the ceremony and reception and protects the bride, groom, and other insureds in the event of an accident.

Special Event insurance is a type of easily obtainable short-term coverage that begins at 12:01 a.m. on the day of the wedding and ends at 12:01 a.m. the next day. If you think your event will continue past midnight, you'll simply need to extend the policy period to encompass all the days of your event.

What Your Policy Will Cover

If your venue requires wedding event insurance, you probably want to understand what you're purchasing. Wedding event policies vary, but most will cover a few basic exposures. Here are some things to look for when determining what your policy will cover:

  • Wedding cancellation or postponement due to unforeseen circumstances
  • Vendor issues, such as their non-appearance
  • Extreme weather events that render the venue unsafe or unusable
  • Property damage to the venue
  • Lost or stolen gifts
  • Wedding dress damage
  • Damage to jewelry

Wedding Claims

Everyone hopes the big day will go perfectly, but unfortunately, things can happen that are out of your control. Incidents can lead to significant financial loss, especially without adequate insurance coverage. Here are a few examples of common claims that would be covered under a comprehensive wedding event insurance policy:

  • Unexpected weather renders the event venue unsafe or unusable, and forces you to cancel or postpone your wedding ceremony
  • Unforeseen issues with your wedding vendor lead to a postponement
  • An unfortunate accident leads to one of your guests getting injured
  • An unanticipated incident leads to property damage at the venue

The first two examples alone make up a large portion of wedding insurance claims. These common problems can lead to serious headaches - and insurance is there to make sure you're financially protected every step of the way.

What You Need

Now that you understand what wedding insurance is and what it can cover, you may be ready to choose a policy. When you do, there are a few things you'll need to confirm to make sure you're meeting your venue requirements:

Adequate Limits
Different wedding venues may have different requirements for insurance limits. Many venues require $1M in liability coverage for a special event. Make sure your wedding insurance limits are adequate to meet venue requirements. PHLY offers policies with $1M in coverage per occurrence and up to $3M total.

Certificate of Insurance
Most venues asking for wedding event insurance will require a certificate of insurance. This serves as proof you have obtained coverage that meets the venue requirements. Once you purchase a policy from PHLY, we'll email you an electronic certificate instantly so you can show your venue.

Additional Insured
Your venue may ask to be added to your policy as an additional insured. This will appear on your certificate of insurance and means your venue will be covered under the policy you purchase. PHLY offers this service upon request for qualified insureds.

With an overall customer satisfaction rating of 96%, PHLY is the perfect insurance company to meet your wedding insurance needs. Get coverage for your big day now by filling out our easy online application through our Special Events portal.

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