Special event wedding insurance protects a couple if they are sued as a result of a mishap at their wedding that injures a guest.
Yikes:
There are a lot of scenarios that could impact your big day: why not transfer these risks to insurance? You protect your car when you are driving buy buying insurance – why not your wedding…. and at a much lower cost.
Insurance for weddings typically costs less than 1% of your overall budget.
Front Row online wedding insurance also provides wedding cancellation insurance and other coverage to cover your investment, with an option to add liability insurance in case your guests slip and fall while dancing or are injured in some other way.
Renting out your faith-based venue? Here’s what you need to know about making sure your renters are able to prove to you the insurance protection you deserve.
If you are an administrator of a church, mosque, synagogue or spiritual venue of any kind, chances are you’ve been asked to rent out your venue for special events such as weddings, birthday parties, meetings, yoga classes or workshops.
Renting your venue is a great way to support your organization’s financial needs and goals but it does come with few warnings and precautions. Whether you’re renting out a small meeting room in your facility or the main hall for thousands of guests, having the right insurance protection ensures you are covered for damage or total destruction of your spiritual space.
The most important way to protect your venue is to ensure whoever is renting from you has the right level of insurance. They need to purchase insurance that considers the following:
When you picture your perfect backyard wedding, what do you see? A hug from your mom just before you walk outside; lanterns glowing on the pathways; saying “I do” in the garden you grew up in? Cutting the cake your best friend made for you, and watching the stars come out as candlelight flickers across the faces of your friends and family? Having a wedding at home is a beautiful way to keep your celebration intimate and meaningful, not to mention a smart strategy for keeping your budget in balance on the big day. No matter what your perfect at-home wedding looks like: don’t forget to insure it.
Wedding insurance is easy to get - it takes about 10 minutes online - and it’s a reliable way to cover yourself (or your parents, if they’re hosting for you) so that your wedding doesn’t include some unwelcome hidden costs. Here are some of the situations that we see commonly come up with home weddings.
Hosting a shower for the bride? There are many risks associated with a wedding shower that you may not have thought of:
If you’re planning to have alcohol served at your wedding, then it is important to consider adding host liquor liability insurance onto your event insurance policy. Your guests will hopefully behave like responsible adults at all times, but in the event that alcohol fuels a fight where someone gets injured or something similarly troublesome, host liquor liability insurance will cover you.
In this post, we’ll provide an all-encompassing overview of host liquor liability insurance, including an explanation of why it should be considered for weddings and some helpful tips on how to discourage overdrinking at weddings.
Guests will generally expect liquor to be available at weddings and as soon as you become the “host”, you suddenly have a burden of responsibility to ensure that nothing bad happens as a result of being connected to the supply of that alcohol.
A host liquor liability insurance policy will protect you against losses or damages in case of claims arising from any alcohol-related incidents that might occur at an event such as a wedding. Such “incidents” might include bodily injury or property damage caused by an intoxicated guest who was served liquor at a wedding.
What is the difference between Primary liquor liability coverage and Host liquor liability coverage? The main difference between these coverages is whether or not the individual or company buying the insurance engages in the serving of alcohol as a business.
Example: a bar, pub or restaurant would require primary liquor liability insurance, whereas a couple who only wanted to “cover their bases” during a wedding could get host liquor liability insurance.
What does it mean to be “over-served”? This refers to when a customer is served too much alcohol, placing the liability on the bartender. In the US, there is the “Dram Shop Act,” which makes a business which sells alcohol or a host who serves liquor to a drinker who is obviously already intoxicated, strictly liable to anyone injured by the drunken guest. The best protection against a situation like this occurring at your wedding (aside from doing a dry wedding) is to hire an experienced bartender; they generally know when it is time to refuse someone more drinks.
Insuring your US Wedding with Front Row Insurance Brokers is a fast and simple process so you feel confident that your big day is protected – you deserve to enjoy it worry free.
Many wedding venues require that you show evidence of wedding liability insurance. Most United States wedding venues do not want to be responsible for injury to your guests and they want you to repair damage to their party venue that you cause.