For most couples, the average wedding party budget is about $20,000. Given the amount of money on the line, it is only fitting that you consider wedding insurance.
Wedding event insurance is a cover that protects the policyholder from the financial ramifications when something goes wrong. Having event insurance for weddings covers the cost of accidents and recoups the financial resources used.
Insurance companies sell wedding event insurance as a long-term policy. But you also have the option of getting a one day wedding insurance, which can be extended for days.
Special event insurance for wedding isn’t a single insurance product. In truth, this consists of liability insurance, liquor liability insurance, wedding reception insurance, and so on. It’s important for you to be familiar with the inclusions of wedding day insurance in order to avoid getting obsolete coverage that doesn’t provide comprehensive protection on the actual day of insurance for the wedding.
Read this guide about wedding insurance policy, know how the inclusions work, how much premiums cost, the best companies, and more.
Wedding liability insurance - primarily sold as a general liability insurance policy - will be essential if you’re planning to hire an event venue. This wedding event liability insurance is meant to protect both you and the venue in the event of a mishap.
General liability insurance for wedding covers medical expenses if a guest, vendor, or any other third party sustains injuries during the wedding ceremony. It will also provide reimbursements if property damage is sustained instead of an injury.
Wedding venue insurance encompasses the different insurance products that protect the venue from specified claims filed by an aggrieved third party. This tailored insurance for venue businesses should cover the business's physical assets and provide a cushion in case a legal matter arises.
Wedding cancellation insurance helps protect you from the financial losses following the cancellation or postponement of the wedding. This insurance policy will reimburse all non-refundable payments for transportation, food catering, venue rental, and other necessities for the wedding ceremony.
Liquor liability insurance should protect you against any liquor-related incidents during the wedding ceremony. This alcohol liability insurance for wedding comes in especially handy when the venue has a bar or there's a facility within where alcoholic beverages are served.
So how does liquor liability insurance work? Liquor liability insurance will cover medical expenses, reimbursements for damaged property, and legal fees when a guest sustains property damage or personal injuries due to the following:
Gets involved in a car accident after getting drunk
Overserved with alcohol, resulting in injuries or property damage
Suffers from alcohol intolerance
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Working as a wedding planner isn't always as straightforward. The planner has to grapple with, at times, unrealistic demands, tight schedules, and perpetual conversation with the different vendors and all parties. That's where wedding planner insurance comes in.
Wedding coordinator insurance covers your wedding planning business from any liability arising from damages or injury that a third party sustains.
While it is quite appealing to become a vendor at a wedding selling your different products, vending can be quite risky. As such, you're going to need wedding vendor insurance.
Wedding vendor insurance isn’t a single insurance policy. It consists of different business insurance such as:
General liability insurance for wedding vendors - covers personal injury claims and property damage claims caused by an accident you're at fault
Product liability insurance - covers personal injury claims and property damage claims of a client who received a defective product or service
Equipment breakdown insurance - reimburses losses or provides immediate replacements if items crucial for business operations become lost or damaged due to fire, theft, vandalism, and other covered perils
Wedding vendor insurance can be availed as a one-day coverage. One day wedding vendor insurance only has general liability insurance. Other policies we mentioned above are excluded. However, you can add them at a cost.
As a photographer in today's wedding landscape, you'll notice that many venues require you to carry insurance. Specifically, you are expected to have wedding photography insurance, which will offer general liability coverage. The wedding photographer insurance should cover:
Bodily injury
Property damage
Fees arising from legal action
Cost of medical treatment
You could also consider adding equipment insurance, property insurance, and errors and omissions cover to further protect yourself.
As a professional wedding and bridal videographer, you know the effort, time, and financial investment it takes to build a sought-after wedding videography brand. Consequently, you cannot afford a mishap jeopardizing all of your hard work, which is why you should consider getting wedding videographer insurance. This insurance policy should at least cover the cost of equipment and possible public and professional legal liability.
From our research, the average wedding videographer insurance cost is $22 per month, or $250 per year for a $1 million dollar general liability insurance coverage.
Really not a big expense for the financial protection it will give you as a wedding videographer.
Having a wedding DJ insurance policy can save you money and emotional distress in the long run. Seeing as your gear is your livelihood, DJ liability insurance should be able to cover you in the event of unpredictable situations around your gear.
Besides, with the wedding DJ insurance cover, you should be able to work mobile gigs more confidently. The policy is particularly handy as most venue directors will require proof of insurance.
Finally, having wedding DJ insurance should help protect you from the ramifications of legal action resulting from damage to venue property or bodily injury to wedding guests.
Suppose you are planning a wedding or honeymoon abroad. In that case, you should consider getting destination wedding insurance, also referred to as international wedding insurance. The goal of the destination wedding insurance is to cushion you from unique destination wedding issues, including cancellations and postponements. At a minimum, this insurance policy should cover:
Trip cancellation costs
Trip interruptions
Delays at the airport
Medical expenses and, in worse case scenarios, medical evacuation
The average cost of wedding insurance is $100 - $200 for one day coverage. This already provides all or some of the coverages we discussed.
But understand premiums can reach $200 - $645 depending on the budget allocation and number of guests. Note that as you add other policies, the wedding event insurance cost increases because individual premiums pile up. Nonetheless, don’t worry because carriers provide discounts if you include more than one coverage in your wedding insurance. By the way, here's a table showing the rates of the best wedding insurance companies.
| Average Cost for One Day Coverage | Best for | |
|---|---|---|
| Geico | $75 | Wedding insurance that provides theft and damage coverage for wedding ceremony pieces of jewelry |
| eWed | $119 | Wedding cancellation coverage with no deductibles |
| CoverWallet | $155 | Wedding insurance quotes comparison online |
| Thimble | $160 | Wedding insurance that lasts for one to five days |
| Wedding Protector Plan | $160 | Wedding insurance with deposits coverage |
| State Farm | $165 | Wedding insurance fast online claims filing |
| Travelers | $170 | Destination wedding insurance |
| Allstate | $175 | Wedding insurance with numerous inclusions |
| WedSafe | $179 | Wedding insurance with international coverage |
| USAA | $180 | Wedding insurance for military personnel |
| Progressive | $183 | Wedding insurance with special coverage |
| The Knot | $185 | Wedding insurance that can be added with supplemental protections |
| Event Helper | $192 | Insurance for weddings with $5,000 attendees |
| Markel | $196 | Wedding insurance with no hidden fees |
| Nationwide | $230 | Wedding insurance with fast claims process |
| Liberty Mutual | $235 | Wedding insurance with 24/7 claims filing |
| Eventsured | $242 | Wedding insurance with specialized rehearsal and rehearsal dinner coverage |
| Lemonade | $249 | Wedding insurance with special coverage that reimburses the value of covered lost items |
| RV Nuccio | $250 | Wedding insurance with professional counseling coverage and hired photographer/videographer coverage |
| Allianz | $252 | Wedding insurance with international coverage |
| AAA | $257 | Wedding cancellation coverage that covers wedding postponement/cancellation due to sudden illness and extreme weather |
You can decide to get the coverages in wedding insurance as stand-alone policies. Stand-alone wedding liability insurance will cost $125 for one day coverage. If bought as a stand-alone policy, wedding venue insurance cost is $130 for one day coverage. It's prudent to mention that the liquor liability insurance cost for weddings is charged on the side depending on vendor-specific policies.
The best way to find the best protection is to compare cheap wedding insurance quote online. Do so using our online quotes comparison tool. Click the “Get quotes” button to start.
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As you plan for the bid day, you want to work with the best wedding insurance providers. The goal is to purchase the best wedding event insurance and keep the day safe. Here's a comprehensive list of the best wedding insurance companies in the market today. Read to know their pros, cons, and pricing for one-day coverage.
Stable rates
Compare wedding insurance quotes online
Pay premiums online
Live insurance agents
Not an insurance company but an insurance broker
Doesn’t provide coverage for lost or stolen wedding rings
CoverWallet’s wedding insurance provides general liability coverage and cancellation/postponement coverage. Buy insurance from this broker because it provides an instant certificate of insurance that event venues will look for before agreeing to provide a service. Also, you can pay premiums and name additional insureds on your wedding insurance policy online. By the way, CoverWallet has an online quotes comparison platform you can use to compare features and pricing of the wedding insurance numerous carriers underwrite.
Best for: Wedding insurance quotes comparison online
Average cost: $155 for one-day coverage
Our rating: 10/10
Get instant proof of insurance online
Zero deductibles
Doesn’t offer wedding cancellation coverage
Thimble’s wedding insurance is a short-term general liability insurance that provides protection for one to five days. Liquor liability insurance is included as a coverage. Work with Thimble because it provides quick coverage and just like CoverWallet, it also offers instant online proof of insurance.
Best for: Wedding insurance that lasts for one to five days
Average cost: $160 for one-day to 5-day coverage
Our rating: 10/10
Liability coverage ranges between $1,000,000 and $2,000,000
Online quotes are available with guided customization options
No hidden additional costs
Only a $25 deductible on cancellation policy items
You can purchase the wedding insurance policy a day before the wedding
A $300 limit on stolen or lost cash and check wedding gifts
A mandatory $1,000 deductible on property liability
Markel, established in 1930, is a specialty insurer that offers, among others, wedding and event insurance policies. The low-cost options and flexibility to add additional policies make Markel wedding insurance coverage stand out. With just their online quote, you should be sufficiently able to choose a customizable option that best meets your wedding insurance needs.
Best for: Wedding insurance with no hidden fees
Average cost: $196 for one-day coverage
Our rating: 9/10
Zero deductibles
Covers destination weddings
Good reputation
You can purchase the cover a day before the wedding
Coverage purchase is available via an agent or from the official website
Limited availability with Louisiana, Hawaii, and Alaska being excluded
You cannot bundle together DJ, band, and caterer policies
Travelers has been in the insurance market since 1864 and now has wedding insurance offerings that cover both weddings held within the U.S and destination weddings. As it pertains to the latter, Travelers covers weddings in Puerto Rico, The Caribbean Islands, the UK, Canada, and other locations.
With Travelers wedding insurance, you not only get to cover the big day but also valuables, including wedding bands and received gifts.
In hindsight, Travelers wedding insurance stands out due to its wide coverage of weddings regardless of destination, no deductibles, and the ease of purchasing the wedding insurance policy.
Best for: Destination wedding insurance
Average cost: $170 for one-day coverage
Our rating: 9/10
15% discount if you purchase both the wedding liability and wedding cancellation coverage
A++ financial strength rating by AM Best
Geico wedding insurance is available in all 50 states
Your wedding jewelry of between $500 and $2000 is insured against theft or damage
Geico doesn't overwrite independently
Geico was started in 1936 and has evolved to be amongst the most reliable insurance providers in the market today. The 20 corporate offices optimally located throughout the U.S ensure that all 50 states are sufficiently taken care of.
You do not have to worry about your reimbursement payment as Geico is sufficiently financially stable. Finally, Geico has partnered with other industry leaders, including Liberty Mutual and American Family.
Best for: Wedding insurance that provides theft and damage coverage for wedding ceremony jewelries
Average cost: $75 for one-day coverage
Our rating: 9/10
A 3-day coverage is available
Fastest underwriting in the current market
Easy account management via the official website or app
Zero deductibles on all cancellation and postponing of events
No coverage for destination weddings
eWedinsurance leverages its over 30 years of experience in the wedding insurance niche to provide its customers in the U.S, Virgin Islands and locations with a wedding insurance coverage plan that starts reasonable rates. You have the option of adding additional coverage, which should attract a higher premium.
Best for: Wedding cancellation coverage with no deductibles
Average cost: $119 for one-day coverage
Our rating: 9/10
Quick quotes available via the official website and application
Compensation for stolen or lost wedding gifts is enough to purchase a brand new item
Not available in all the 50 states
Digital-first support is not sufficient, especially for matters needing personal
Founded in 2015. Lemonade Inc. has quickly muffed into a leading insurance company. Their selling point has to be the low-cost insurance coverage and the use of AI-driven rating when determining coverage amount and premiums. Unlike traditional insurance companies, Lemonade is able to leverage technology to pay claims in under a minute. Note that Lemonade Insurance doesn't have insurance agents. If you want to purchase coverage, you've got to do so either via the official company's website or application.
Best for: Wedding insurance with special coverage that reimburses the value of covered lost items
Average cost: $249 for one-day coverage
Our rating: 8/10
Exemplary customer service
One-stop shop for all insurance needs
Lower-than-market rates
Substandard customer service
Established in 1922, State Farm has risen to be the largest auto insurance company in a total of 33 states in the U.S. Amongst its offerings is wedding event insurance at below-market rates. With a network of over 20,000 agents, State Farm is able to offer personalized service to all its customers nationwide. Overall, suppose you are looking for a wedding insurance provider that makes managing your insurance policies online a breeze. In that case, State Farm wedding event insurance is the firm for you.
Best for: Wedding insurance with fast online claims filing
Average cost: $165 for one-day coverage
Our rating: 8/10
Covers destination weddings
Cover includes a cancellation policy
Rehearsals as far back as 48 hours are covered
You can purchase the policy just 24 hours in advance
Host liquor liability is included
Only available to military personnel and qualified family members
USAA has been in operation for quite some time. Now, it can offer wedding insurance through an alliance with special event vendors. The USAA wedding insurance program is offered to military personnel through Markel.
Best for: Wedding insurance for military personnel
Average cost: $180 for one-day coverage
Our rating: 8/10
5% discount available if you purchase the policy directly from Progressive
Special coverage for wedding gifts and valuable like tuxedos, gowns, and wedding rings are available
Poor customer service
Established in 1937, Progressive offers both personal and commercial insurance coverage within the U.S.As the 3rd largest insurance company in the country, couples can rest assured of payments of the claims and reimbursements. In total, Progressive covers over 400 special events, including weddings.
Best for: Wedding insurance with special coverage
Average cost: $183 for one-day coverage
Our rating: 8/10
Immediate confirmation of policy purchase
A liquor liability policy is included
Poor customer service
Only weddings in the U.S are covered
Event Helper has been in operations since 2009 and offers wedding insurance for events with up to 5,000 attendees. This cover is particularly handy for individuals looking to buy their policy online or through an agent. Their offer includes liquor liability insurance. Additionally, the insurer allows the policyholder to add multiple venues to their basic liability policy.
Event Helper wedding insurance is structured in a manner that should help you save more money than the rest of the insurance providers on the list.
Best for: Insurance for weddings with $5,000 attendees
Average cost: $192 for one-day coverage
Our rating: 8/10
Instant coverage available
15-second wait for a wedding insurance quote
Customizable coverage
Liability coverage ranges between $1,000,000 and $2,000,000
Liquor liability cannot be excluded from the cover
Above market price point for the different policies
Wedsure brings a wealth of experience acquired throughout the 25 years the business has been in operation. Underwritten by Allianz Insurance, Wedsure boasts of having been the pioneer wedding insurer offering clients both standard wedding insurance and specialized policies. A special policy that is sure to catch your eye is the Change of Heart Policy. The latter protects the financiers of the wedding in the event either party has a change of heart and decides to cancel the wedding. The innocent third party is compensated for the financial investment they made towards the event.
Best for: Wedding insurance with specialized change of heart coverage
Average cost: $201 for one-day coverage
Our rating: 8/10
Highly ranked when it comes to customer service
Strict compliance with the different state regulations on insurance
Wedding insurance California and other 49 states
Some of the supplementary policies cannot be paid for on their online platform
Nationwide started as a humble mutual company and, with time, has risen to be among The Fortune 100 companies. It now sells an entire roster of insurance products throughout the 50 states, including wedding insurance. What stands out with Nationwide is their mobile application that allows the policyholders to manage their account and coverage details online.
Best for: Wedding insurance with fast claims process
Average cost: $230 for one-day coverage
Our rating: 8/10
Policy includes coverage for pictures and videos taken on the wedding day
Reimbursement for lost or damaged wedding gifts available
Different coverage options are available
Minimum of 2 weeks between the purchase of coverage and wedding
No Change of Heart Policy
No coverage for caterers and bakers
Allstate is the largest insurance company in the U.S and provides its wedding insurance through Markel. The Allstate wedding insurance offers $1,000,000, starting at reasonable rates. For the wedding cancellation coverage, you will be required to invest a bit more on premiums for a $7,500 coverage. By design, the premiums you pay for your Allstate wedding insurance depend on your wedding's budget.
Best for: Wedding insurance with numerous inclusions
Average cost: $175 for one-day coverage
Our rating: 8/10
Destination weddings are covered
Exemplary customer service
Deductibles for cancellation or postponements
Allianz Group is an international insurer with a customer base worldwide. It serves customers on different continents, including Europe, North and Central America, Asia, and Africa. This German multinational company serves a total of 70 countries, making it the perfect insurer for couples looking for a destination wedding insurer.
Best for: Wedding insurance available in 70 countries
Average cost: $252 for one-day coverage
Our rating: 8/10
Has numerous inclusions in its wedding insurance
Offered by AAA Northeast
Wedding insurance is offered by AAA Northeast. This company’s insurance for weddings provides coverage for personal injury and property damage liability, liquor liability, liquor liability, and more. The best thing about AAA’s wedding insurance is its wedding cancellation coverage that covers postponement/cancellation of a wedding due to sudden illness and extreme weather.
Best for: Wedding cancellation coverage that covers wedding postponement/cancellation due to sudden illness and extreme weather
Average cost: $257 for one-day coverage
Our rating: 8/10
Jewelry and monetary gift are covered
Quality service
Easy to understand pricing
Zero deductibles
Coverage only available via a representative or the official website
Wedding Protector Plan is a high-end private event and wedding insurance provider offering policies covering the ceremony, reception, and rehearsals. With his company, you should get coverage for lost deposits, dress, and garments.
Best for: Wedding insurance with deposits coverage
Average cost: $160 for one-day coverage
Our rating: 7/10
Multiple options available at competitive prices
Room for additional coverage on top of the basic coverage policy
Not BBB accredited
Founded in 1912, Liberty Mutual offers nationwide service with a pool of insurance products, including wedding insurance. With more than a century-long experience, the insurer makes room for phone and online claims reporting regardless of the time. Liberty Mutual leverages its extensive experience, massive size, and wide catalog to compete with the rest of the insurers on this list.
Best for: Wedding insurance with 24/7 claims filing
Average cost: $235 for one-day coverage
Our rating: 7/10
A 15% discount is available if you purchase the wedding liability and cancellation policies concurrently
The policy can cover additional named insureds, including venue administrators
You can buy the wedding liability insurance for a day
A pool of ten cancellation coverage limits to select from ranging from $7,500 to $175,000
Limitations on theft or damage of wedding gifts
An inevitable $15 purchase group fee added to the quoted premium
Established in 1999, WedSafe, underwritten by Nationwide and financially backed by K & K Insurance and AON Affinity, offers comprehensive event liability insurance that covers the wedding venue and select insureds. This liability coverage includes wedding insurance in the U.S, Canada, Puerto Rico and other locations. WedSafe has also extended optional territory coverage for weddings in UK and Mexico, which should cover weddings on cruise ships departing from or arriving at these destinations.
Overall, WedSafe liability insurance is considered the best wedding liability coverage in the market today. Their cancellation and postponement coverage have low deductibles and are flexible enough, thus allowing the customer to curate their policies subject to their budget.
Best for: Wedding insurance with international coverage
Average cost: $179 for one-day coverage
Our rating: 7/10
Quote and purchase coverage online in less than 5 minutes
Optional coverage available, including packages to secure DJs, photographers and other wedding professionals
Quality customer service
Not an insurance company but instead an insurance broker
R.V. Nuccio & Associate Insurance Brokers Inc. has been providing insurance for special events, including weddings, for over 30 years. Inclusions are special attire coverage, hired-photographer/videographer coverage, and professional counseling coverage.
Best for: Wedding insurance with professional counseling coverage and hired photographer/videographer coverage
Average cost: $250 for one-day coverage
Our rating: 6/10
You can include supplementary policies within the basic cover for further protection
The cover doesn't include a Change of Heart Policy
Clothing, watches, and wedding jewelry with semiprecious gemstones not covered
Formerly XO Group, The Knot is an American conglomerate that offers couples planning their weddings products and services, including wedding insurance. Founded in 1996, The Knot wedding insurance comes with both liability and cancellation options. Note that with The Knot wedding insurance, each of these attracts a predetermined maximum amount and will have separate deductibles applied.
Best for: Wedding insurance that can be added with supplemental protections
Average cost: $185 for one-day coverage
Our rating: 6/10
50-state coverage
Paperless filing of claims
No deductibles on claims
Doesn't include liquor liability coverage
No provisions for underwriting policies
Couples privately hosting their wedding ceremonies and those with over 5,000 guests cannot leverage instant enrollment.
Founded in 1998, Eventsured is a BBB-rated insurance company offering a special event wedding insurance policy as a Foresight Sports subsidiary. This wedding insurance covers more than 500 types of events with policies including:
General liability wedding coverage
Rehearsal dinner coverage
Attire Coverage
Theft or Damage Coverage
Best for: Wedding insurance with specialized rehearsal and rehearsal dinner coverage
Average cost: $242 for one-day coverage
Our rating: 6/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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