Do I need a waiver of subrogation for wedding insurance?

A waiver of subrogation is a clause that stops an insurer from pursuing a third party to recover costs after paying a claim. In wedding insurance, this is uncommon. Most personal wedding policies do not include or require it. Venues sometimes ask for one, but that is more typical for corporate events or large productions.

If your venue contract mentions a waiver of subrogation, read it carefully. It may be a standard clause copied from a business contract. You can ask the venue to remove it or explain why they need it. If they insist, contact your wedding insurer and ask whether they can add it to your policy. Some insurers may agree for a fee, but many will not offer this for a personal event.

In practice, the main protection you need is public liability cover, which protects you if a guest is injured or property is damaged. Your venue should have its own insurance for the building and grounds. Check that both policies are in place and that you are not relying on a waiver instead of proper cover. If you are unsure, ask your insurer directly before the wedding day.