Wedding liability insurance pays for itself when those fraternity brothers who thought green bubbles for the recessional would be a great idea, only to discover that the neon green stains in the carpeting and on the bride's gown were permanent.
What about the drunk guest who knocks down an elderly guest who breaks a hip?
Or the tipsy couple who leaves the reception and gets into an auto accident?
And what about the 28 guests who got food poisoning?
The smart move is to have wedding liability insurance in anticipation of unforeseen accidents.
It covers you in the event that you become legally responsible for
bodily injury, personal injury or property damage caused by an accident
occurring during the course of your covered big-day event;
or as a result of an inebriated guest who was served alcohol at your wedding event.
Policies can be written so that one can cover your rehearsal, rehearsal dinner, wedding ceremony and reception. Also, wedding ring insurance is different from engagement ring coverage.
"Elegance, grace, sophistication - you delivered all and more to our ceremony and celebration." Dale and Bruce, Waldorf Astoria, NY
An agent explained that homeowners insurance policies do not cover any property that is in your care, custody or control or that is occupied or used, leased or rented by you.
Check with your carrier and agent to investigate and build a policy that meets your needs.
If you are having a destination wedding, be sure to check the
rules and regulations in the location for liability issues. Ordinarily,
policies written in the United States do not cover foreign destinations.
Guests at your event may become inebriated and turn reckless. This is difficult in the United States. It can be far more complicated in a foreign destination. How will you manage the situation? How will you pay for repairs, replacement, lost or stolen items in a foreign destination? Will you be detained at the location or permitted to leave the country?
Check with a reputable representative to investigate and build a foreign a policy that meets your needs.