Wedding liability insurance can cover damages that may be caused during or after your wedding, such as property damage, injuries to guests, and legal fees. Policyholders usually pay a percentage of the total claim amount as premiums each month.
It is important to choose a policy with enough coverage so that you are not left financially vulnerable if something goes wrong. Some policies include Personal Injury Protection (PIP), which provides financial support in the event of an accident that causes personal injury. Other key features of good wedding liability policies include general commercial general liability (CGL) and designated duty officer coverage for individuals who will have direct involvement in planning or preparing for the ceremony or reception.
When choosing a policy, it is also important to understand your state’s laws surrounding weddings and events. Each state has different regulations governing what kinds of accidents are covered by wedding insurance, how much is payable per occurrence/per person/per day, whether claims must be filed within certain time frames, etc.
So if you’re on the hunt for affordable wedding insurance, don’t hesitate to get quotes from several companies before making your decision.