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    Wedding insurance is a form of specialized event insurance that's been crafted specifically for wedding hosts. Because hosts frequently need at least a few insurance protections, wedding policies are normally underwritten as packaged policies that have several individual coverage’s have bundled together.
    Broadly speaking, anyone who might be considered a wedding host might benefit from having a wedding policy in place. This most obviously can include couples who are getting married, but it's might also encompass the couple's parents, anyone listed on the save-the-date cards or wedding invitations, and the property owner where the ceremony or reception is taking place.

    What is Wedding Insurance?

    Weddings are a time of fun, but things can go wrong on the big day. While moderate mishaps might be adjusted for during a wedding ceremony or reception, major disasters can result in injuries, damage and lawsuits. One way that Massachusetts wedding hosts can protect themselves from some of these risks is by purchasing wedding insurance.

    Wedding insurance is a form of specialized event insurance that's been crafted specifically for wedding hosts. Because hosts frequently need at least a few insurance protections, wedding policies are normally underwritten as packaged policies that have several individual coverages has bundled together.

    Wedding Insurance Massachusetts

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    TESTIMONIALS

    Customers Love Us

    • I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

      Sikla wolfy, Google Review

    • We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

      DC, Google Review

    • I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

      Nika Hollingsworth, Google Review

      Winchester, MA

    • I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

      Erin McCabe, Google Review

    • Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

      Pat McCarthy,Google Review

    • I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

      Lindsay Porziella, Google Review

    • James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

      Ashleigh Cregan

    • Paul Murphy Insurance is the best. The people I've had the pleasure of dealing with were professional, helpful, friendly, made sure that all my questions were answered, and were able to find the best policies for my needs. Most recently, Stephanie, went above and beyond to take care of my issues. I definitely recommend them.

      Jessie Bowen

    • Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

      Anna Marguerite

    • I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

      Ashlyn Tuffy

    Who In Massachusetts Should Purchase Wedding Liability Insurance?

    Broadly speaking, anyone who might be considered a wedding host might benefit from having a wedding policy in place. This most obviously can include couples who are getting married, but it's might also encompass the couple's parents, anyone listed on the save-the-date cards or wedding invitations, and the property owner where the ceremony or reception is taking place. 

    Moreover, hosts don't have to live in Massachusetts to purchase wedding liability insurance for an event in the state. Out-of-state hosts who are involved in a Massachusetts wedding probably should consider purchasing a policy with someone in the state.

    Anyone who is unsure whether they should have a wedding policy can speak with an insurance agent who specializes in this type of event insurance. A knowledgeable agent will be able to review a person's risk exposure and help determine whether insurance is necessary.Talk To An Insurance Professional

    What Protections Are Available Through Wedding Liability Insurance Policies? 

    Wedding liability insurance policies normally offer several different liability coverages. Like most liability coverages, these protections typically help pay for attorney fees, court fees and settlements that are associated with covered claims. Some of the more commonly offered wedding liability coverages are:

    • Property Damage Liability Coverage, which may cover damage to another's property
    • Bodily Injury Liability Coverage, which may cover injuries sustained by another person
    • Liquor Liability Coverage, which may cover incidents involving intoxicated persons
    • Umbrella Liability Coverage, which may give additional liability protection

    Do Wedding Policies Offer Other Protections?

    Some wedding policies offer other types of protections. These might be non-liability coverages such as the following:

    • Cake and Catering Coverage, which may cover the cost of finding a new cake vendor or caterer if a contracted one fails
    • Tuxedos and Gowns Coverage, which may cover the cost of replacing rented tuxes and dresses if they're damaged
    • Wedding Photographer Coverage, which may cover the cost of reassembling people for photos if the original ones don't come out
    • Military Service Coverage, which may cover lost deposits if a wedding is postponed due to one spouse being called up to active duty

    An insurance agent who's familiar with wedding policies can help sort through the liability and non-liability coverage options. Depending on desired coverages, the agent can recommend one or two wedding policies that provide the wanted protections.

    Wedding Insurance Massachusetts

    How Much Are Premiums for Wedding Policies?

    Premiums for wedding policies are based on many factors and can vary. The policies tend to be quite affordable, though, because they only have to provide coverage during a tight window of time. An independent insurance agent can compare quotes to see precisely how much insurance will cost in a specific situation.

    Looking For a Quote?

    How Can Wedding Hosts Get Wedding Insurance?

    For help finding wedding insurance before a Massachusetts wedding, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents will help review your coverage needs, and then they'll go over policy options with you to determine which option best suits your needs.

    Get a Free Insurance Quote!
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    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


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    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

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