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Do we need insurance for a backyard wedding?

Home Insurance

By Joanne Lemna | September 12, 2016

A backyard wedding can be a great way to have an intimate and relaxed ceremony and save money on a wedding. Backyard weddings are becoming increasingly popular especially as wedding costs rise. But do you need insurance for a backyard wedding! Yes you absolutely need insurance for a backyard wedding.

Why do you need insurance for a backyard wedding?

You need insurance for a backyard wedding for a few reasons:

  • Your home insurance may not cover damage or liability for an event – or it may not offer enough coverage
  • If you serve liquor you can be held liable for damage or injuries caused by drunk guests
  • Insurance may be required by your city or county or province

These are the same reasons why wedding venues require insurance.

What insurance do you need for a backyard wedding?

For a backyard wedding you should have the following insurance coverages:

  • Event liability – this can help cover damages or injuries for your wedding.
  • Liquor liability – if you’re serving liquor you’ll need this protection in case a drunk guest gets injured damages property or causes injury to others and you’re held liable.
  • Comprehensive home insurance – it’s a good idea to review your existing home insurance and ensure you’re adequately covered.
  • Depending on your wedding you may require additional insurance coverage.

You should always talk to your broker. They’ll review your insurance coverage and advise what additional protection you may need.

What other types of wedding insurance are available?

You can also get the following types ofwedding insurance:

  • Wedding cake flower  and stationary protection – covers physical damage or loss of these key elements to a wedding.
  • Wedding gift protection – covers physical damage or loss to wedding presents a certain period of time before and after the wedding.
  • Wedding ring protection – covers physical damage or loss to wedding rings from a specified period of time before the wedding until the big day.
  • Lost deposit coverage – if one of your suppliers goes out of business you can get reimbursed for your deposit (i.e. the florist goes out of business but you’ve already paid a $1000 deposit)
  • Bridal attire protection – coverage for physical damage or loss to the bridal attire.
  • Rented property coverage – if you’re renting things like chairs tents stages audio and visual equipment et cetera this coverage will cover you if these items are damaged.
  • Wedding photo and video retake coverage – covers expenses necessary to retake or take wedding photos if the photographer cannot deliver them (i.e. they lose them or do not show up for the wedding)
  • Wedding cancellation – if the wedding is unexpectedly cancelled you may get some of your deposits reimbursed.
  • Honeymoon cancellation – if the wedding is unexpectedly cancelled you can get a refund of pre-paid non-refundable costs associated with travel.

Coverage may depend on the insurer and your policy options. Talk to your broker about what protection is available for your wedding. This type of insurance should be purchased well in advance of the big day.

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