Let’s say the groom gets cold feet and backs out of the wedding a mere seven days before the big event. Can you buy wedding insurance to cover the financial loss you’ll experience if this were to happen? Probably not.
So then, what does wedding insurance cover?
It depends on a number of factors. Generally, there are two types of wedding, or event, types of insurance: liability and cancellation. So in the example mentioned above, most companies don’t cover ‘change of heart’ scenarios. But one does, a company called Wedsure. But they only provide this type of coverage if parents are paying for the wedding, not the couple itself.
Most professional wedding vendors, like Columbus Pro DJs, carry their own liability insurance. But if some don’t, or if you want additional protection, a number of companies specialize in this type of coverage, including:
- Wedsure
- eventhelper.com
- WedSafe
- Travelers
- Markel
Forbes took a look at these companies and provides more detail on the specifics of their coverage.
Why couples buy wedding insurance
Here are some of the most common reasons why couples get wedding insurance:
- Unpredictable weather that could shut down an outdoor wedding
- A vendor goes out of business (relax … we’ve been around forever and don’t plan on going anywhere!)
- A wedding venue abruptly shuts down
- A vendor doesn’t show (we provide back up equipment and DJs, so you don’t have any worries with us)
- Abrupt military deployment
- Wedding gifts get stolen
- Photographer screws up and pics don’t come out.
You get the idea. Your wedding celebration is the biggest event you’ll ever plan. There are a lot of moving parts. You have to make well over a thousand decisions.
Some couples appreciate a little additional peace of mind that wedding insurance can bring to the table. And it’s not that expensive, especially for liability coverage.
Forbes takes a deeper dive into the nitty gritty, so if this topic interests you be sure to check them out.
And if the idea of packed dance floors and delirious fun interests you, check out Columbus Pro DJs. We specialize in wedding entertainment. Columbus Pro DJs is your insurance policy for an event you’ll never forget!
