Wedding Event Insurance – Protect Yourself on Your Special Day
A couple’s wedding day. It’s a new beginning; a new life together filled with joy and love. It should be one of the most special days in their lives. Leading up to it, they plan every last detail to make it perfect. They will plan contingencies in case of bad weather or unexpected guests to make sure the whole day goes smoothly and with as little stress as possible.
Far too many couples, however, fail to consider some of the worst-case scenarios that may arise. An accident, a minor mishap or negligence on the part of one of their hired contractors could leave the happy couple in a very unhappy situation.
Without adequate wedding insurance, the bride and groom could start out their new life together burdened with a liability claim against them arising from an unfortunate incident at their wedding.
What’s The Worst That Could Happen?
If you stop to think about all the things that could possibly go wrong at your wedding, you may begin to see why acquiring Wedding Insurance is an inexpensive way to give you added peace of mind.
At most wedding receptions, there is dancing, there is the consumption of alcohol and there is a large gathering of people. These factors can combine to make for a wonderful celebration, but they can also lead to accidents or other unfortunate events.
Imagine what might happen if one of your guests slipped on the dance floor where a drink was spilled and broke their leg. What if the bride tripped on her dress and damaged the DJ’s equipment or if a guest accidentally set fire to some drapes in the banquet hall? Or worse yet, if one of your guests left the event and drove under the influence of alcohol and caused an accident? You could be liable for such incidents. That is, unless you protect yourself with the right Wedding Liability Insurance from Direct Event Insurance.
The last thing any couple wants, following their big day, is to be facing multiple lawsuits that could potentially bankrupt them.
A Requirement for Most Banquet Halls and Wedding Venues
Most facilities where a wedding reception is held will require the couple to acquire wedding insurance that includes them as an additional insured party, protecting them from potential liability. Couples should be sure to verify the venue rental agreement to make sure they comply with the stipulations of that clause.
Our standard Wedding Event Insurance policy will satisfy virtually all venues’ insurance requirements. Our customer service specialists will be pleased to review the clause in question to make absolute certain that you and the venue are adequately covered.
All Wedding Event Insurance policies issued by Direct Event Insurance include coverage for general liability, damage to premises, medical payments and host liquor.
General liability offers protection for you and all other parties named as additional insured, including your wedding planner, caterer and venue, from a variety of claims including bodily injury, property damage, personal injury and others that can arise at your wedding.
Damage to Premises
If you or any of your guests cause any damage to the premises, our standard policy will cover up to $300,000 worth of property damage to the premises rented to you.
This coverage reimburses others, without regard to liability, for medical expenses incurred as a result of bodily injury sustained by accident under the conditions specified in the policy.
Host liquor coverage protects a party who does not engage in serving alcoholic beverages as a business enterprise from any liability for bodily injury or property damage arising from serving alcohol at your wedding. If alcohol is to be sold by the drink, you may need to purchase an additional liquor liability policy.
In the event of a claim, the coverage provides for defense and covers the cost of the investigation. The wedding insurance liability policy will cover damages should you be found to be at fault.
A mishap at your wedding could cost you dearly if you are found to be liable. The cost of a legal finding against you would start your new life as a couple on the wrong foot. Your best measure of protection against this kind of terrible event is to be armed with excellent coverage from Direct Event Insurance.
To get a free, no obligation quote, simply complete our online quote form. Within minutes, you could have the necessary coverage to protect you against any eventuality and help to make sure your wedding day is the wonderful, worry-free day you have always envisioned.