What is Special Event Liability Insurance Policy?
It is a specialty insurance policy designed to indemnify the Bride and Groom from certain types of claims arising from accidents taking place during the wedding or reception (e.g., a guest is injured after slipping on a spilled drink on the dance floor). Additionally, this policy provides coverage in an amount up to $250,000 for third-party property damage at the wedding or reception site for which the Bride and Groom may become liable (e.g., a guest's carelessly discarded cigarette starts a fire).
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How do I purchase a Special Event Liability Insurance Policy?
You can purchase the policy by completing the simple application form available at this website or by calling one of our WedSafe Representatives toll free at (877) 723-3933. At the present time, a paper application form is not available.
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Is the policy premium payable monthly or as a one-time fee?
The policy premium is a one-time only payment.
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My venue requires me to show evidence of liability insurance. Is a Special Event Liability Insurance Policy suitable for this?
Yes, a Special Event Liability Event Policy allows you to name your Ceremony and your Reception venue as additional insureds without additional charge. At your request, a separate certificate of insurance evidencing the additional insured can be issued for forwarding to the appropriate recipient. It is important, however, to make sure that the aggregate and per-occurrence limits required by your venue fall within those provided by the Special Event Liability Event Policy.
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Does a Special Event Liability Event Policy provide coverage for alcohol-related accidents, such as a car accident caused by an intoxicated wedding guest?
Yes, a Special Event Liability Event Policy will indemnify the Bride and Groom up to the limits of the policy for this type of liability, provided the server of the alcohol is properly licensed to do so and carries independent liquor liability coverage (most professional catering companies carry this type of protection for their business, but the Bride and Groom are generally not protected under such coverage).
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How far in advance must I purchase my Special Event Liability Event Policy for my wedding and reception to be covered?
A Special Event Liability Event Policy must be purchased at least 24 hours before your wedding.
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Can I purchase a Special Event Liability Event Policy without purchasing a Event Cancellation Policy?
Yes, a Special Event Liability Event Policy can be purchased either alone or together with a Event Cancellation Policy. As a Special Event Liability Event Policy does not cover the same items and risks covered by a Event Cancellation Policy, clients are strongly encouraged to purchase both types of protection and, indeed, many of our clients choose to do so.
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Am I protected if one of my vendors damages the reception site?
Although most reputable vendors (e.g., florists, photographers, caterers) carry their own liability insurance coverage, you are generally not protected by such coverage if your vendor causes damage to the reception site. The Special Event Liability Event Policy will provide protection up to the specified limits of the policy if you are held liable for damage to the reception site caused by one of your vendors.
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Does a Special Event Liability Event Policy have a deductible?
There is no deductible for general liability coverage, but there is a $1,000.00 deductible applicable to third-party property damage claims.
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Whom do I call if I have to make a claim?
You should call one of our friendly and knowledgeable WedSafe claim agents at Markel American Insurance Company – Claims Department at 800-236-3113 (Toll Free), who are available, 24 hours a day, 7 days a week to assist you in the handling of any claim. All claims should be reported as a matter of urgency to avoid delays in settlement and processing. Additionally, any claims relating to theft or attempted theft should be reported to the police as soon as possible.
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