Wedding Insurance Massachusetts

Wedding Insurance from Massachusetts Specialists

What is Wedding Insurance?

Weddings are a time of great celebration, but things can go wrong even during major celebrations. Wedding insurance is available to Massachusetts couples who wish to protect themselves from the liability risks that come with hosting such a ceremony.

Wedding insurance is a specialized event insurance that’s tailored for couples and others who are hosting weddings. In order to protect against various risks, most policies are underwritten as package policies that bundle several individual coverages together.

Who in Massachusetts Should Consider Purchasing Wedding Liability Insurance?

Anyone who could be construed as hosting a wedding might want wedding liability insurance, for people sometimes sue anyone they can if there’s a major incident. Some examples of people who might be construed as hosts and therefore want insurance include:

  • Couples who are getting married
  • Parents of the bride or groom
  • Property owners of the ceremony or reception area

Parents may want coverage if they’re paying for part of the wedding and/or if they’re listed on the wedding invitations. 

Importantly, hosts don’t necessary have to live in Massachusetts in order to purchase wedding liability insurance in the state. As long as a wedding is taking place in the state, this is likely where insurance should be purchased if it’s to be procured. Any policy that’s bought in another state might not cover an out-of-state wedding that’s hosted in Massachusetts.

Wedding Insurance Massachusetts

What Coverages Does Wedding Liability Insurance Make Available?

Wedding policies can come with a variety of wedding liability insurance coverages, potentially including the following:

  • Property Damage Liability Coverage, which might cover damage to third-party property (e.g. guest, venue or vendor property)
  • Bodily Injury Liability Coverage, which might cover injuries to third parties (e.g. guests, vendors, musicians, officiants)
  • Liquor Liability Coverage, which might cover alcohol-induced incidents resulting in injury, property damage or other harm
  • Umbrella Liability Coverage, which might cover large and expensive lawsuits by providing a secondary layer of protection.

Like most liability protections, these coverages will typically help pay attorney fees, court costs, settlements and judgements that are associated with covered claims.

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Are Other Coverages Available Through Wedding Policies?

In addition to the aforementioned wedding liability coverages, some wedding policies also offer non-liability coverages. These can include protections like:

  • Gowns and Tuxedos Coverage, which might cover the cost of replacing rented clothes that get damaged
  • Catering and Cake Coverage, which might cover the cost of finding a new food or cake vendor if one fails to provide as promised
  • Wedding Photographer Coverage, which might cover the cost of reassembling the wedding party if photographs don’t come out
  • Military Service Coverage, which might cover the cost of rescheduling a venue and vendors if either spouse is called to active duty

Some wedding policies may provide mainly liability coverages, and others may focus on these non-liability protections. In a few cases, policies offer both. 

Because policies sometimes provide different types of coverages, it’s usually wise to shop for a wedding policy with the aid of an experienced insurance agent. An agent who specializes in this type of insurance will be able to help determine what coverages are needed and find a policy that matches those coverage needs.

Wedding Insurance Massachusetts

Where Can Couples Get Wedding Insurance?

If you’re hosting an upcoming wedding that’ll take place in Massachusetts, contact us at Roger Kieth & Sons Insurance for help with wedding insurance. Our independent agents will help assess your ceremony and/or reception’s coverage needs, and we’ll work hard to find a policy that meets those requirements. Because we’re an independent agency, we can recommend the best available policy regardless of what insurance company offers it.

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