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Protect The Happiest Day of Your Life — Wedding Insurance and More

On your happy day, the only thing you should be worried about is remembering your vows.

Although your wedding is supposed to be one of the happiest days of your life, sometimes the unexpected happens — someone slips on the dance floor, your wedding presents are stolen from the hallway of your reception location, or one of your guests spills red wine all over an expensive carpet. Is there anything you can do to keep these situations from ruining your big day?  Here are a few ways to protect the happiest day of your life from the unforeseen.

1. Know what you can and can’t do at your wedding, and make sure your guests know too.

Will your venue penalize you if your guests walk on the lawn?  What about smoking inside? Noise? What happens if a minor drinks alcohol? Ask your location coordinator for the details — penalties should be spelled out in your Venue Rental Agreement.  In the end, you have the contract with the vendor, and you’ll be held responsible for violations of your guests or any damages they cause. Being proactive is the best way to protect yourself in this case — if there is a rule which you expect guests to flaunt, ask your DJ to gently remind them about it during the event.

2. Reduce your liability for accidents during your wedding.

Often, your venue will ask you to sign a waiver of liability, which states that they are not responsible if someone gets injured at your wedding. When you sign a Release of Liability, it’s a good idea to take out liability insurance on your own, and many venues actually require it. That way, if somebody gets injured during your event, the insurance policy will cover it (instead of you personally). Liability insurance may already fall under your homeowner’s or renter’s insurance policy, but coverage might not be automatic, so call your insurance agent to find out.

3. Protect yourself from bad luck (and maybe even cold feet).

You can purchase specialized wedding insurance in case the wedding needs to be canceled or rescheduled due to weather, health issues or problems with vendors or venues. You can even purchase add-ons to cover lost or stolen equipment, damaged property or other problems.  Wedding insurance typically covers only  those situations that are outside of your control, but some policies offer “change of heart” cancellations too. Be sure to keep all of your receipts and contracts to show the insurance company in the event that you need to file a claim.


  1. John says:

    Thanks for the information – there is some great advice here – it might not happen but have a plan just in case

    JMF Disco

  2. Wedding insurance is really helpful in case of any event that can happen to you at your wedding day.