Wedding Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

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.

Property Damage Liability Coverage
Bodily Injury Liability Coverage
Liquor Liability Coverage

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.

TESTIMONIALS

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When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
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Mark Anderson

Marketing Director
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Mark Anderson

Marketing Director

Who In Massachusetts Should Purchase Wedding Liability Insurance?

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.

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.

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.

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.

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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.

What is Wedding Insurance?

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