Event Liability Insurance Frequently Asked Questions

     

       


       

       

      What is Wedding / Special Event Liability insurance?


      Wedding / Special Event Liability Insurance is a specialty insurance policy designed to protect and reimburse the named insured and/or Bride and Groom from certain types of claims and losses arising from accidents taking place during the wedding, reception, and rehearsal. Subject to the specific coverage terms, conditions and exclusions, wedding liability coverage can offer protection for the wedding couple if they are found liable for things such as damage to the facility caused by a guest or vendor, bodily injury to guests or even alcohol-related accidents.


       

      What are the liability policy limits are available for Special Event Liability Insurance?


      There are five different liability insurance limits currently available in most states.

      Commercial General Liability
      ($1,000 Property Damage Deductible)

      Limit Options
      Each
      Occurrence
      $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
      General
      Aggregate
      $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
      Products-completed
      Operations Aggregate
      $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
      Personal and
      Advertising Injury
      $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
      Damage to Premises Rented
      to You (Fire Legal Liability)
      $500,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
      Medical Expense $5,000 $5,000 $5,000 $5,000 $5,000 $5,000

      Each policy includes Host Liquor Liability coverage and each option is subject to a $1,000 property damage deductible.
       

      Please note: Some coverage options & limits may not be available in all states. Please Get a Quote to see available coverage options and limits for your state.



      What types of events are covered?


      We cover wedding ceremonies and wedding receptions as well as many other private events, such as birthday and anniversary parties, bar/bat mitzvahs, memorial services etc.  There are also select business functions available for coverage: Business Dinner, Non-Profit Function, Corporate Private Party, Fundraising Dinner, and Business Meeting.



      How do I purchase a Special Event Liability Insurance Policy?


      Our website provides a convenient online application that can be completed quickly. Coverage can be purchased using a major credit card and your coverage documents and Certificate of Insurance will be emailed immediately upon purchase.

      All venues listed will automatically be named as additional insured, and a Certificate of Insurance will be generated automatically for each. This will serve as proof of insurance for your venue, including any required wording they may need listed.


       

      How far in advance must I purchase my Special Event Liability Event Policy for my wedding and reception to be covered?


      While we strongly suggest you secure your coverage as early as possible after you finalize your contract with the wedding reception venue, a Special Event Liability Event Policy can be purchased two years prior to your event right up to the day of your event.



      Who is protected under a Wedding / Event Liability policy?


      The bride and groom are automatically included.

      If the person named on the contract with the venue is someone other than the bride or groom – for example, father or mother of the bride or groom – we recommend the policy be purchased under that person's name, so he/she will also be protected.

      All venues listed will automatically be named as additional insured, and a Certificate of Insurance will be generated automatically for each. This will serve as proof of insurance for your venue, including any required wording they may need listed.

      Please note that you cannot add vendors (for example, caterers or musicians) under this policy. Any vendors at your wedding should have their own liability insurance. If they need coverage, we suggest they try the K&K Insurance website or  call them at 1-800-328-2317.



      What does "Named Insured" mean? / Who is or should be the "Named Insured"?


      The "Named Insured" is the person in whose name the policy was purchased. This is often either the bride or groom, but you might also want the Named Insured to be the parent or other family member of the bride / groom, if that person has signed a contract with the venue, or has a significant financial stake in the wedding. The bride, groom, and Named Insured would all be protected under the policy.



      Does a Special Event Liability 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.



      Can I purchase a Special Event Liability Policy without purchasing an Event Cancellation / Postponement Plus Policy?


      Yes, a Special Event Liability Event Policy can be purchased either alone or together with an Event Cancellation Policy. As a Special Event Liability Event Policy does not cover the same items and risks covered by an Event Cancellation Policy, clients are strongly encouraged to purchase both types of protection. If both policies are purchased at the same time a discount of up to 15% will be applied to each policy.



      Is the Special Event Liability Policy primary insurance?


      If the Named Insured is held to be solely at fault in a claim the Special Event Liability Policy is primary insurance for both the named insured and any additional insureds listed on the policy.



      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 Policy allows you to name your Ceremony, Reception, and Rehearsal venue as additional insureds without additional charge.

      All venues listed will automatically be named as additional insured, and a Certificate of Insurance will be generated automatically for each. This will serve as proof of insurance for your venue, including any required wording they may need listed.


      How will I receive my proof of coverage? / How will I receive the Certificate of Liability Insurance that is required by my venue?


      Once the transaction is complete, a Certificate of Insurance, will automatically be emailed to you.

      All venues listed will automatically be named as additional insured, and a Certificate of Insurance will be generated automatically for each. This will serve as proof of insurance for your venue, including any required wording they may need listed.

      If you requested and entered the venue's email, a certificate will automatically be emailed to them as well. The email to the venue will have the named insured listed, with the Certificate of Insurance attached, so you need to do nothing else!

      You will receive a certificate of insurance as proof of coverage. In most states, coverage is offered exclusively through the Sports, Leisure and Entertainment Risk Purchasing Group (RPG). The RPG receives a master policy from the company. Submission of the enrollment form confirms your desire to receive coverage through the RPG. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each insured member organization-there are no shared limits of liability with any other members. A copy of the RPG master policy can be requested in writing to: WedSafe / Aon Affinity, 900 Stewart Avenue, Garden City, NY 11530.
       


      Does a Special Event Liability Insurance Policy provide coverage for alcohol-related accidents?


      Your policy includes Host Liquor Liability coverage to protect against alcohol-related accidents. If a guest gets into an accident on the drive home from the event and sues the named insured, the liability policy will respond by providing a defense for the insured host to investigate the claim. If the insured is at fault, the liability policy will respond from a damages perspective. The only time the policy will exclude coverage is if the named insured on the policy is “in the business” of manufacturing, selling, or distributing alcoholic beverages.



      Can I add my vendors, such as the photographer, DJ, musicians, etc. to my liability policy as additional insureds or can I purchase a policy in their name?


      No. The WedSafe Liability insurance affords coverage for the bride and groom. The venue is the only entity that can be added to the certificate as an additional insured. Your vendors can try the K&K Insurance website or call them at 800-328-2317.



      My venue has specific wording to be added to the certificate of liability. Can WedSafe accommodate this?


      During the application process, you can search a list of preloaded venues who have already provided us with their required wording, which will automatically be inserted on the Venue's copy of the Certificate of Insurance.

      If your venue is not listed in the dropdown menu, select “other” (the last selection) and enter the venue name and address, then complete your purchase. Then simply email us with any customized wording, which will be added to your documents and emailed to you, usually within one business day.

       


       

      My event runs past midnight. Will I be covered?


      Coverage will be provided if your event runs past midnight at the location listed on your insurance documents, until the time the event ends at that location.



      My venue requires liability insurance for my wedding, including set up and tear down, as well as the rehearsal dinner. Can WedSafe provide this?


      The Special Event Liability policy will afford coverage for the day of the ceremony/reception as well as the 24 hours prior to the event and 24 hours after the event for the set up and tear down. If the rehearsal or rehearsal dinner occurs within 48 hours before the wedding it will also be covered.


       

      What is Host Liquor Liability Insurance?


      Host Liquor Liability Insurance is an insurance term used to describe provides liability protection against bodily injury or property damage suits brought by parties injured as a result of an intoxicated guest who was served alcohol at an event you hosted.  Our liability policy only excludes liquor liability coverage if the named insured on the policy is “in the business” of manufacturing, selling or distributing alcoholic beverages.


       

      What is the refund policy for the Wedsafe Event Liability Insurance Policy?


      Policy premiums, taxes, and other charges are fully earned at inception of policy coverage and are non-refundable in the event of cancellation of coverage at any time by the insured.


       

      Is purchasing Wedding Liability insurance from your web site safe?


      Our web application uses state-of-the art security measures and is monitored daily by independent web security certification service McAfee Secure, so you can be comfortable making your WedSafe online purchase. But if you prefer, you may call WedSafe customer service and complete your purchase over the phone.



      Whom do I call if I have to make a claim?


      Contact the K&K Insurance Claims Department at 1.800.237.2917

      In the event of emergencies, there is an after-hours service available, 24 hours a day, 7 days a week to assist you.

      The information contained here is for illustrative purposes only and coverage under the Wedsafe Wedding Insurance Program is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. This program is underwritten by K&K Insurance Group, Inc and Nationwide Insurance.
       

      Insure Your Wedding Now!

       

      Questions?
      Email Email us, or
      Phone Call: 1 (877) 723 3933