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Event insurance can help protect you, should something go wrong before or at the wedding. It’s a small price to pay that will provide you with peace of mind when considering the very large investment you are making in your backyard wedding. Luckily, most weddings are free of incidents that require you to call on an insurance policy, but occasionally there can be theft, damage, illness or accident, vendor closures, or extreme weather. Or, as we learned in 2020, a global pandemic.
Once you have an idea of the scope of your event, you need to talk to your home insurance provider to ensure you have proper coverage for your property and the event. You may want to also consider getting a special event insurance rider from an outside carrier like Brite.Co, Wed Safe, Protect My Wedding, or RV Nuccio. Getting an alternate or additional policy might be beneficial because if you make a claim on your regular homeowners’ policy, your provider may later use that claim as justification to raise your deductible or rates.
You will want to obtain comprehensive event coverage: this will protect your financial investments in the event of a postponement or cancellation, or if there is any damage or loss during the event (such as lost photos or a damaged wedding dress). And you should also get a liability policy to protect yourself from alcohol-related incidents, as well as property damage or bodily injury claims.
As with any legal document, read your policy closely, and be aware of what is covered and what is not. If you have questions, ask the policy carrier for clarification.
Check out my foundational blog posts about: backyard wedding tents, wedding tent flooring, professional lighting for your backyard wedding, restrooms for your backyard wedding, utilities for your backyard wedding, and making a smart transportation plan for your backyard wedding.
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