Wedding Insurance

There are various forms of coverage included as part of our Wedding Insurance package. Have a look through the list below which outlines each form of insurance and what it covers:

1. Commercial General Liability

This is liability for 3rd party property damage or bodily injury that could occur at one of your wedding events including rehearsal dinner, ceremony, reception, and gift opening.

2. Host Liquor Liability

As long as a “Serving-It-Right” licensed bartender is serving the alcohol at your engagement party / wedding reception, you’re covered for potential liability claims involving liquor consumption.

3. Wedding Cancellation

The cost to reserve your venue including any deposits or amounts owed under contract can be paid via your wedding insurance policy.

4. Honeymoon Cancellation

This policy will reimburse the Insured if there is a loss of pre-paid, non-refundable costs of travel due to the cancellation of the actual wedding.

5. Loss of Deposits

Our reliable Underwriters will pay for non-refundable deposits that had been paid to providers of any booked goods or services if they suffer financial failure.

6. Wedding Photos & Videos

Any extra expenses that may be necessary to retake the photos and videos that cannot be reproduced from your wedding day for any reason including non-appearance of photographer.

7. Bridal Attire

Coverage for physical loss or damages to your bridal attire once the item is in the care / custody of the Insured. We know how expensive wedding dresses can be!

8. Wedding Gifts

Insurance for the direct physical damage or total loss to wedding presents (24 hours prior to and after the wedding ceremony) while the items are at the newly weds’ reception, home, or in transit between the two.

9. Rings / Wedding Bands

Protection from the potential physical loss or damage to rings / wedding bands so you can stop checking if it’s still there. Coverage begins 7 days prior to the wedding.

10. Wedding Cake & Flowers

Direct physical damage and / or loss to the wedding cake or flowers for up to 7 days prior to your wedding ceremony.

11. Wedding Stationery

Any stationery items such as invitations, RSVP cards, menus, name tags, etc. are covered from physical loss or damage.

12. Rented Property & Equipment

Reimbursement for the direct and physical damage to rented items used during the wedding reception are insured! This includes, but is not limited to, temporary outdoor shelters, tents, marquees, tables, chairs, stages, speakers, and other audio / visual equipment.

There are multiple package options for wedding insurance protection that have varying limits of coverage. Here’s an overview of the policy limits available:

Silver Package (starting at $250)

• Up to $4,000 for cancellation expenses
• Up to $2,000 for honeymoon cancellation
• Up to $2,000 for loss of deposit
• Up to $2,500 for wedding photographs and video
• Up to $2,500 for loss or damage to Bridal Attire
• Up to $5,000 for wedding presents
• Up to $1,000 for Rings
• Up to $2,000 for Cake and Flowers
• Up to $1,000 for Wedding stationary
• Up to $1,000 for Rented property

Gold Package (starting at $350)

• Up to $10,000 for cancellation expenses
• Up to $2,500 for honeymoon cancellation
• Up to $3,000 for loss of deposit
• Up to $5,000 for wedding photographs and video
• Up to $2,500 for loss or damage to Bridal Attire
• Up to $5,000 for wedding presents
• Up to $1,500 for Rings
• Up to $2,500 for Cake and Flowers
• Up to $1,500 for Wedding stationary
• Up to $10,000 for Rented property

Diamond Package (starting at $600)

• Up to $30,000 for cancellation expenses
• Up to $5,000 for honeymoon cancellation
• Up to $5,000 for loss of deposit
• Up to $7,000 for wedding photographs and video
• Up to $5,000 for loss or damage to Bridal Attire
• Up to $7,000 for wedding presents
• Up to $3,000 for Rings
• Up to $5,000 for Cake and Flowers
• Up to $3,000 for Wedding stationary
• Up to $15,000 for Rented property

Platinum Package (starting at $900)

• Up to $50,000 for cancellation expenses
• Up to $5,000 for honeymoon cancellation
• Up to $6,000 for loss of deposit
• Up to $7,500 for wedding photographs and video
• Up to $7,000 for loss or damage to Bridal Attire
• Up to $8,000 for wedding presents
• Up to $5,000 for Rings
• Up to $6,000 for Cake and Flowers
• Up to $4,000 for Wedding stationary
• Up to $20,000 for Rented property

Liability limits (for Commercial General Liability (CGL) & Host Liquor Liability) can be $1 million, $2 million, or $5 million. If you’d like to get a quote for wedding liability insurance only click here.

Please note, all Wedding Insurance purchases are final and the premium is not eligible for refund. We reserve the right to charge a small fee (<$100) for any policy changes required.

You and your significant others’ wedding day is one of the most special days of your entire lives! Don’t risk having something that is outside of your control ruin not only the engagement party, wedding, or reception, but all of the memories that could also be effected. Complete our brief, online application form and get a quote to rest easy knowing your big day is insured.

You can learn more about a wedding package policy in our blog post “What is Wedding Insurance and What Does It Cover?“.

The cost of a wedding insurance policy will depend on the type of coverage you are looking for as well as the protection limits you desire. Our package prices range from $250 up to $1,000+.

Not to worry, completing our online application for insurance doesn’t cost anything or commit you to proceeding with coverage. Customer service is our first priority.

Yes! Well… Of course that’s our opinion. We offer insurance backed by Lloyds of London cover holders, PAL Canada. It is a great package with reliable claims service through our insurance partners. We encourage you to shop around online and decide for yourself. Netsurance is confident that you’ll end up going with one of our product options.