Learn About Wedding Insurance

The Wedding Protector Plan® is underwritten by Travelers. From a sudden cancellation to damaged gifts to a lost gown, wedding insurance can help protect you against circumstances beyond your control.

Wedding insurance coverages for your wedding planning

Cancellation/postponement of the event can provide coverage for certain deposits listed in the policy in the event of a necessary wedding cancellation or postponement. For example, if the venue suddenly goes out of business and is inaccessible, or sudden illness prevents the honorees, parents, grandparents or children of honorees from attending, or an honoree is unexpectedly called to duty, this coverage can reimburse you for the deposits lost.

Lost deposits can provide coverage if a vendor goes out of business, declares bankruptcy before your event, or simply fails to show up. For example, if your band or your limo provider fails to show up, this coverage can reimburse your lost deposit.

Additional expense can provide coverage for certain unexpected expenses you have to incur in order to avoid your wedding cancellation or postponement. For example, if a caterer or transportation company suddenly becomes unavailable for your event and you can find a last minute replacement, this coverage can reimburse you for the difference in cost up to 25% of the original contract price.

Event photographs & video can provide coverage in the event your photographer’s film is defective or photos are lost or damaged. For example, if your photographer fails to show up, or loses your photos from your wedding, this coverage can reimburse you for the cost of reconvening your wedding party to take new photos or video.

Event gifts can provide coverage if your gifts are damaged. For example, if your gifts are somehow damaged while on display at the event, this coverage can reimburse you for repair or replacement cost.

Special attire can provide coverage if the honoree’s event attire is lost or damaged. For example, if you’re traveling to your destination event and the airline loses your event attire, this coverage can reimburse you for the replacement attire.

Special jewelry can provide coverage for loss or damage to jewelry purchased or rented specifically for personal decoration of honorees on the event date or within 7 days prior to the event date.

So much has been invested in planning your dream wedding, but what happens if something goes wrong? Click below for additional information and a list of "wedding disasters".

Liability Insurance

No deductible wedding insurance

Liability insurance is an optional coverage and can be added as an endorsement on to your private event insurance policy. It offers you protection in the case of an unfortunate incident from an event you host including an option to add liquor liability insurance.

It can provide liability coverage for property damage, bodily injury and personal injury to third parties at the location of your ceremony, reception or rehearsal dinner. For example, if a guest slips and falls at your wedding, we can provide coverage for your liability.

There is no deductible for either the core coverage or liability coverage. Losses are paid from the first dollar up to the applicable limit. Other policies may have extremely high deductibles.

Many event locations require you to get your own private event liability policy. You can add them as an additional insured at no additional cost.

Up to $1,000,000 liability coverage for property damage, bodily injury and personal injury to third parties.

Liquor liability is an optional coverage and is only available if you have selected liability insurance; it can be added to the liability coverage you purchase for a nominal fee. Liquor liability coverage is designed to protect you and your immediate family against alcohol-related accidents. For example, if an accident is caused by an intoxicated guest at the event site, that could result in liability for you. Liquor Liability coverage is available up to the liability limit on the policy.

Liability coverage is extended until 2:00am the following morning of your event.

Affordable wedding or private event liability insurance coverage

Wedding insurance by the Wedding Protector Plan® can help you on your special day. Don’t let a wedding disaster ruin your day.

Please Note: Liability Insurance is only available in the U. S. and its territories, Canada and Puerto Rico.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to individuals meeting our underwriting criteria and state availability.