Wedding Insurance in New Hampshire

Also providing wedding insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

Insurance24

What is wedding insurance?

Weddings are special events that have every detail planned, but even the best-laid plans can go awry if something unexpected happens. For especially unexpected incidents, New Hampshire couples may want to safeguard with wedding insurance.

Wedding insurance offers specialized event coverage for marriage ceremonies and receptions. Policies may also cover rehearsal dinners and other activities during the special day or weekend.

Who in New Hampshire should purchase wedding liability insurance?

Most hosts who are planning New Hampshire weddings should consider wedding liability insurance. Policies might be purchased by couples, parents, hosts named on invitations, or venue owners.

This generally includes both residents of the state, and hosts who live out of state but are planning a wedding somewhere in New Hampshire.

For help determining whether a policy makes sense for your wedding, talk with an insurance agent who specializes in these policies. A knowledgeable agent will be able to review the risk exposure that your wedding poses, and then help you decide whether to get a wedding liability policy.

What protections are offered by wedding liability insurance policies?

Wedding liability insurance typically offers several coverages that may help with legal costs if something happens at an event. Most of these apply to certain situations where a host could be held responsible for someone’s injury or property damage:

• Property Damage Liability Coverage: Might apply if there is damage to a person or business’s property, which might include rented goods, borrowed items, or even the venue (if not owned by the host).
• Bodily Injury Liability Coverage: Might apply if someone sustains injuries during the event, or during its setup or cleanup. Protected third parties could include event attendees and any vendors.
• Liquor Liability Coverage: Might apply if there’s an incident involving an overly intoxicated attendee. Covered incidents could include slip and fall accidents, assaults and even DUIs involving someone who’s been over-served.
• Umbrella Liability Coverage: Might apply if a lawsuit exceeds the limits of another liability coverage. Could be needed for incidents involving serious injury, death or multiple people.

While the likelihood of someone being seriously hurt or property being majorly damaged during a wedding, the resulting costs can be immense if something does happen. Wedding liability insurance can provide affordable protection against an array of issues that could leave the hosts financially liable for high costs.

Do wedding policies offer other coverages for things that could go wrong?

Of course, accidents aren’t all that could happen at a wedding. Vendors could have issues, and occasionally a bride or groom who’s in the armed services might be called away for the big day. To help protect against situations like this, many wedding policies do offer additional coverages as standard or optional features:

• Attire Coverage: Might cover situations where rented wedding attire is damaged during or after the event. This can be especially useful for rented tuxedos and suits, and is highly recommended if renting a wedding dress.
• Cake and Catering Coverage: Might cover situations where the initially contracted caterer or cake vendor fails to deliver food, possibly paying the cost of finding an alternative vendor at the last minute.
• Photographer Coverage: Might cover situations where there’s a major problem with the wedding photos, possibly paying to reshoot photos and even reconvene the wedding party.
• Military Service Coverage: Might cover situations where a wedding is postponed due to military deployment, possibly reimbursing lost deposits. While some vendors may refund deposits in such cases, they aren’t necessarily required to.

How much are the premiums for wedding policies?

Given that weddings are usually single- or double-day events, premiums for these policies are often affordable. An independent insurance agent can check how much insuring a specific wedding will cost.

Where can hosts get wedding insurance?

For help insuring a wedding that’ll take place in New Hampshire, contact the insurance agents at Insurance24. Our independent agents can help you find wedding insurance if you’re getting married in the state, regardless of whether you two live here or not.