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Expert June 2021

Wedding Insurance Questions

Chelsea, on August 20, 2020 at 1:09 PM Posted in Planning 0 5

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Hi!

I'm getting married next summer, which is great, but also sucks as most insurance companies are not offering event insurance with COVID-19 in mind. Anybody having luck with this? I found a few that are offering liability but not cancellation/postponement policies.

Similarly, do I have the insurance with me or the venue as the named insured? I've seen some conflicting information on this.

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5 Comments

Latest activity by Chelsea, on August 20, 2020 at 3:10 PM

Master October 2020
Margaret · on August 20, 2020 at 1:14 PM
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Say thanks to Covid as no wedding insurer is offering these right now. It obviously cost too much this year.
Insurance will be in your names.
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Expert May 2021
Erin · on August 20, 2020 at 2:49 PM
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Wedding insurance is coverage you have up to 1 million in case you or guests damage physical property at the venue... it was never meant for things like covid. (LIABILITY)
A standard event cancellation insurance policy typically covers cancellation due to events beyond your control. That usually means an act of God or other circumstance that damages a scheduled venue. (think: TORNADO, HURRICANE, FLOOD) covid has not damaged the building... so unless you all found a clause that says otherwise, wedding insurance never covers sickness
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Expert June 2021
Chelsea · on August 20, 2020 at 2:55 PM
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I am not looking for insurance to cover sickness. However, I am looking for ones that cover cancellation/postponement for the circumstances you mention.
Unfortunately, many policies are dropping that add-on coverage due to COVID. Not from the sickness, but because the social influence of COVID-19 has increased the number of couples wishing to cancel/postpone.
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Expert May 2021
Erin · on August 20, 2020 at 3:05 PM
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Gotcha... i sued to work for allstate and had to do a few wedding liability add on's on home owners policies and i was like "this is news to me!!" lol
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Expert June 2021
Chelsea · on August 20, 2020 at 3:10 PM
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Yes. I studied technical writing, so I'm all about some clauses!
It's just frustrating. For example, I have insurance with Progressive. I wanted to just add a wedding policy through them, and I received this message:
While others are still offering some policies, many aren't even offering cancellation policies at all.
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