Wedding Insurance in Maine
Allen/Freeman/McDonnell Agency
Wedding Insurance in Maine
- What Is It?
- Who Needs It?
- Coverages Offered
Wedding insurance is a unique form of event insurance tailored for wedding hosts. Wedding policies typically provide robust protection through multiple coverages, which hosts may customize.
Anyone who's helping put on a wedding in Maine might benefit from wedding liability insurance. Couples, parents, hosts listed on invitations, and owners of venues might want this coverage.
Property Damage Liability Coverage
Bodily Injury Liability Coverage
Liquor Liability Coverage
Bodily Injury Liability Coverage
Liquor Liability Coverage
What is wedding insurance?
Weddings are joyous occasions, but unforeseen issues can turn celebrations into non-events or liability problems. Having a major accident or lawsuit overshadow the festivities isn’t something anyone wants. It’s a possibility, though, and that’s why couples getting married in Maine should consider purchasing wedding insurance.
Wedding insurance is a unique form of event insurance tailored for wedding hosts. Wedding policies typically provide robust protection through multiple coverages, which hosts may customize.
Who In Maine should purchase wedding liability insurance?
Couples, parents, hosts listed on invitations, and owners of venues might want this coverage.
It’s worth noting that hosts residing outside Maine can still purchase wedding liability insurance for a wedding happening within the Pine Tree State. Insurance policies, including even policies, normally should be gotten within the state where coverage is needed.
If there’s uncertainty about whether a wedding policy would be worthwhile, hosts can discuss the particulars of their event with an insurance agent who specializes in event policies such as these. An informed agent can help assess liability risk exposure, and provide guidance on the need for insurance.
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What protections are available through wedding liability insurance policies?
Wedding liability insurance policies typically offer multiple liability coverages. These coverages generally help pay legal expenses, court fees and settlements associated with covered claims. Some commonly included liability coverages are:
- Property Damage Liability Coverage: May cover damages to another party’s property, possibly including rented goods, borrowed items and the venue (if not purchased by the venue owner).
- Bodily Injury Liability Coverage: May cover injuries that another person incurs during the event, or during setup or cleanup. Third parties that are covered could include attendees and vendors.
- Liquor Liability Coverage: May cover incidents involving alcohol consumption. This is particularly important if a host is providing the alcohol, and might be useful even if a caterer is serving beverages.
- Umbrella Liability Coverage: May cover expensive lawsuits with supplemental liability protection. This can be especially helpful if multiple attendees are injured in a freak accident.
The risk of these things going wrong during a wedding might seem unlikely, but that’s what insurance is for. Insurance policies help protect against unlikely events that could be financially devastating for individuals (or businesses).
Do wedding policies offer other protections?
Wedding policies sometimes incorporate other types of non-liability coverages. These can include protections such as:
- Cake and Catering Coverage: Might cover the cost of arranging a new caterer or cake vendor, if the initially chosen one fails to provide food at the last minute.
- Attire Coverage: Might cover the cost of replacing rented wedding attire if they’re damaged during the event or afterward. This can be helpful when renting tuxes or suits, and is usually strongly encouraged if renting a wedding dress.
- Photographer Coverage: Might cover the cost of redoing wedding photos if the initial photos are not satisfactory. This may include travel costs associated with bringing the wedding party together again.
- Military Service Coverage: Might cover lost deposits if a wedding is postponed due to military deployment. Some vendors may return deposits in this case, but not all do.
How much are premiums for wedding policies?
Because weddings are relatively short (e.g. one- or two-day) affairs, premiums for wedding policies tend to be quite affordable. While costs can vary depending upon location, duration, number of attendees, presence of alcohol, and other details, premiums usually aren’t too high. They’re particularly low when compared to the potential expense of a major claim.
Where can hosts get wedding insurance?
If you’re hosting a wedding in Maine and need wedding insurance, reach out to the independent insurance agents at Allen Freeman McDonnell Agency. Our experienced team will assist in assessing your coverage requirements, and guide you through policy options to find one that fits your situation well.
