Insurance? Yes or No?
WHY DO I NEED EVENT INSURANCE?
When you think about your wedding day, one of the last things you most likely think of is insurance. However, a day-of event insurance policy can be one of the most important investments you make. Some venues require you to have this and even if they don’t, it’s a very good idea to have it. Why? Just like you have home and auto insurance to cover you in case something happens, the same is true for your wedding day – especially if you plan to serve alcohol.
Day-Of Event Insurance covers the bride and groom for general liability and liquor liability. But that sounds like jargon, right? So let’s break it down:
General Liability would cover things like if someone was to get hurt on your wedding day (such as tripping or falling and needing medical attention). It can also cover cancellations (if your venue is unable to hold your event), rings, wedding attire, gifts, cake, catering, etc. You can choose from a wide variety of extra coverages.
Liquor Liability would protect you if consuming parties would get hurt or hurt someone else on the premises or in the case of a wreck (hurting themselves or someone else) on their way home from your wedding after drinking.
The great thing about event insurance is you choose your coverage – rates vary based on those coverages and the number of guests attending. To give you a ball park idea of cost, budget around $200-$350+ for your day-of event insurance policy. Be sure to secure your event insurance a minimum of 14 days prior to your event - although you can see above how it would be helpful to have coverage much further in advance should something happen (cancellations, etc).
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AAA Insurance Agent