With the ending of the month of May, and the beginning of June upon us, it is clear that we have entered into the anticipated time frame known as “Wedding Season.” For those of you who will be getting married this summer or next summer, one issue that may be on your mind is that of obtaining insurance coverage for your big day. You may think to yourself- why do I need event insurance for my wedding? Shouldn’t that be the wedding venue’s responsibility? While these thoughts are common- you should not push them aside. Speak with the wedding coordinator at your wedding venue to determine if insurance coverage is in place for your wedding in the event there is property damage or bodily injury. You should inquire to determine if you need to obtain “host liquor liability insurance” which covers alcohol-related incidents that you may be responsible for.
As you can tell, there are several different types of wedding insurance coverage that you could obtain and may be responsible for acquiring based on your venue. As we all know – weddings are a time of happiness and excitement, however, it’s important not to forget that accidents and injuries do happen at weddings and wedding receptions, especially if alcohol is involved. You don’t want to be left on the hook for such incidents simply because you forgot to purchase event insurance.
While wedding or event insurance may seem like an uncommon or odd type of insurance to purchase, it is a valid form of insurance and thus, should any claims need to be made under your policy, the insurance company continues to have a duty to handle your claim in good faith.
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