(Almost) Everything You Need to Know About Wedding Insurance

When you got engaged, your first thought probably wasn’t, “We need to get wedding insurance!” In fact many couples don’t even know it’s a thing. Getting special events insurance for your wedding is such a smart choice though, and some venues and vendors even require it. Let’s get into (almost) everything you need to know about wedding insurance:

What is Wedding Insurance?

Wedding insurance is much like any other type of insurance. You hope you never need to use it, but if the worst case scenario happens, you’ll be glad you have it! Most insurers have different levels of coverage, just like car insurance. 

In a nutshell, insurance protects the finances you’ve invested into your wedding. For example, Liability Wedding Insurance can cover up to $1 million in damages for scenarios like your vendor doesn’t show up, or the suit shop sends the wrong attire, lost wedding rings, and more. Some insurers allow you to add a liquor liability policy as well, which will cover you if a guest at the wedding has a little too much to drink and ends up damaging the venue property or injuring themselves/another guest.

Another policy is Cancellation Insurance. After the world events this spring, you can probably think of a reason for needing this type of coverage. Cancellation insurance protects you in case you need to postpone or reschedule your wedding. Be sure to read the fine print, though. Some scenarios for needing to reschedule, like a pandemic, aren’t always covered. Double check with your insurer. 

There are plenty of ordinary reasons you might need Cancellation Insurance though. Say you’re planning a winter wedding at one of the amazing ski resorts here in Colorado. With the number of times I-70 is closed for weather in the winter, having peace of mind if your guests can’t get over the pass is priceless. Perhaps you or your partner are in the military – it’s definitely possible your date will need to be moved if you’re active duty.

Do You Need Wedding Insurance?

Only you can really answer whether you need special event insurance for your wedding, but there are a number of factors to consider. To start, many wedding venues in the area (and the country) are starting to require special event insurance. Check with your venues as you’re touring to see what their requirements are!

Outside of venue and vendor requirements, consider your wedding date. Is it likely there could be weather interference? Is your celebration in a potentially difficult area? Are you prone to bad luck? Just kidding on the last one — but really, take these things into consideration!

Finally, consider your investment. You’re probably spending quite a bit of money on this celebration. Would you feel better about the investment knowing some of it was insured? If you answered yes to any of these questions, you should probably consider looking into insurance.

Where Can You Get Wedding Insurance in Colorado?

There are a few ways you can sign up for wedding insurance in Colorado. There are a few great resources right online, like WedSafe or WedSure. They are quick and easy to sign up for, and can even send you a certificate of insurance right away.

You can also apply for wedding insurance right through your current insurance provider for home or auto insurance. Some general insurance providers are unable to offer all liabilities venues require (like liquor liability for instance) so be sure to double check the policies they offer you.

What Do You Need to Get Wedding Insurance?

The first things you’ll need for getting insurance come from your venue. Contact them and ask for their minimum insurance requirements. You can probably find it in the contract you signed with them, but if not just give them a call! You’ll also need their contact information: address, email, and phone number. Aside from that information, the rest can come from you, including your personal info, wedding date and payment information. Pretty easy!

Getting special event insurance is one of the best things you can do to relieve stress about your wedding. Knowing the investment you’re making into your dream celebration is protected gives you such peace of mind, even if you never need it!