Frequently asked questions
When should I purchase wedding insurance?
It’s a good idea to purchase a policy as soon as you begin to pay deposits. Caterers, photographers and other vendors usually require a significant non-refundable deposit up front with the remainder due by the day of the event. Our wedding cancellation coverage can be purchased up to 14 days prior to the event date, and our wedding liability coverage can be purchased up to 1 day prior to the event date.
Will event insurance cover us if the weather forces us to postpone or cancel our wedding?
Yes. Coverage is provided if weather conditions are extreme enough to prevent the honoree or majority of guests from attending your wedding. Examples of extreme weather include hurricanes and tropical named storms (the average summer thunderstorm would not be covered).
Is there a deductible on wedding insurance?
Yes. Wedding cancellation policies have a $25 deductible for each area of coverage. Wedding liability policies have a $1,000 deductible for property damage.
What if someone in my family gets sick before the wedding? Would that be covered?
If an accident or illness prevents the guest of honor or an immediate family member from attending the wedding, we provide coverage, as long as illness is not due to a pre-existing medical condition.
Will wedding insurance cover the gifts I may receive at my wedding?
Yes. Gifts that are lost or damaged seven days prior to and seven days after the wedding are covered up to the applicable limit set forth in your policy. There is a $300 limit on cash, checks, and gift cards.
Does your event insurance cover special attire purchased specifically for my wedding?
Yes, our wedding cancellation insurance coverage provides protection for special attire that is lost, stolen, or damaged before the wedding. Some exclusions apply.
I'm getting married in Mexico. Are weddings held outside of the United States covered?
Yes. Cancellation coverage is available for weddings that are scheduled to take place in (or cruises ships departing from) the United States and territories/possessions, Canada, United Kingdom, Mexico, the Bahamas, Bermuda, and the Caribbean (excluding Cuba). Liability policies are available for weddings scheduled to take place in (or cruise ships departing from) the United States and territories/possessions and Canada.
Does your wedding insurance provide coverage if military leave is withdrawn?
Yes. If the guest of honor is serving full-time, active duty in the armed forces, police, or fire department and must postpone the wedding due to withdrawal of a previously granted leave or unforeseen deployment, we provide coverage.
What happens if my photographer loses my photos? Is that covered?
Yes, our wedding cancellation policy provides protection if your film or digital files are lost or damaged before you take possession of them. The policy does not cover photographer error such as under or overexposure.
- How do I file a claim?
How do you determine the value of my claim?
Each individual claim is different and evaluated as such. The value of your event insurance claim depends on the coverage you purchased and the damages sustained.
How long will it take for my claim to be processed?
Again, each claim is different so there is not a concrete answer. But if we receive all of the necessary documentation (i.e. estimate of damage, photos, receipts, etc.) and have completed our investigation, the claim is paid timely (usually within 7-10 business days).
Is there anything I can do to help speed up the process?
Yes! You can help streamline the claims process by providing the following information when you file your claim:
- Policy number
- Date, time, and location of loss or damage
- Description of loss or damage
- Photos of the damage or where your special wedding attire or gifts were stolen
- Receipts for your event and goods/services related to your event
- Other items will likely be necessary and will be outlined by your Markel claims examiner upon receipt of the claim
Do you have a sample policy?
Yes, please see the links below. Policy documents displayed here are samples and are for general information only. There may be variations as required by your state. Please refer to your policy documents received upon purchase for provisions applicable to your policy.
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Save up to 15% by purchasing both wedding liability and wedding cancellation coverage, and rest easy knowing your wedding is protected. (10% for residents of FL)
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