Why wedding insurance is a must
Planner: Hop Events
In the current global landscape, insurance is more important than ever. This is not the time to leave anything to chance. Although wedding insurance doesn’t protect every aspect of planning, increasing your odds is well worth it.
As soon as you start paying deposits you should have insurance, but don’t forget a strong vendor contract is equally as important. And even more so if wedding insurance isn’t available to you.
Typical insurance policies cover
Cancellation or postponement (illness, emergencies)
Loss/damage (rings, dress, gifts, décor)
Vendor issues (bankruptcy, no-show)
Liability (injury or property damage during the event)
Which insurance should you get?
We recommend you have both wedding and travel insurance.
Wedding insurance → covers the event itself
Travel insurance → covers flights, cancellations, medical, etc.
Wedding policies usually do NOT cover travel or honeymoon
Planner: Varese Weddings
What does a good policy look like?
Essential cover
Cancellation / postponement
illness, accidents, extreme events
Public liability
especially for villas, castles, outdoor weddings
Vendor failure
common risk with destination vendors
Strongly recommended add-ons
Weather disruption (especially outdoor weddings)
Legal expenses / liability disputes
Lost or damaged attire & rings
Check exclusions carefully
Policies often exclude:
Known risks (e.g. pandemics already declared)
Some extreme weather scenarios
Certain countries or regions
Travel issues
If insurance is not available to you
Ensure you’re following the below due diligence throughout planning.
Venue contract
Cancellation clauses from either side
Liability insurance
Any clauses that you need liability insurance
Vendor contracts
Robust and detailed, especially around cancellation clauses, like your venue flooding. Contracts should state your refunds in these circumstances
Deposit should be refundable, minus any hours already worked or services already provided. A fully non-refundable date-holding deposit is not legal
Pay for vendors through a secure bank platform like Wise. Wise is recommended by La Lista, use our referral link below for a free first transfer up to £1,000 (or equivalent in your currency)
Policy on replacement vendors if they can’t attend
Notice period on cancelling
Refund policy if cancelled
Refund policy if agreed contract isn’t fulfilled
Travel insurance
Other insurance to consider
Travel insurance
Gadget insurance
Car insurance - we recommend you consider insurance which covers hire cars for 12 months, it’s the most efficient way to cover your trips and the wedding itself. On an insurance document you want ‘car hire excess insurance’, meaning if you have an accident you’re not liable for the excess as standard
Photo: Klassen Weddings | Planner: The Imperial Weddings
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