Does wedding insurance cover guest injuries?

Short answer

Yes, wedding insurance usually covers guest injuries if you have public liability cover. This pays for legal costs and compensation if a guest is injured at your wedding and you are found responsible. Check your policy for the cover limit and any exclusions, such as alcohol-related incidents.

Public liability cover is the part of wedding insurance that protects you if a guest is hurt. For example, if someone slips on a wet floor, trips over a cable, or is injured by a falling decoration, and you are considered legally responsible, your insurance can help pay their medical costs and any compensation they claim.

This cover is not just for guests. It also covers other people who attend, such as suppliers, delivery drivers, or the venue staff, if they are injured because of something you did or failed to do.

But there are limits. Policies usually exclude injuries caused by your own negligence if you were drunk, or if you ignored obvious safety risks. They also may not cover injuries from certain activities, like bouncy castles or fireworks, unless you have told the insurer and paid extra.

You should also check whether the venue has its own liability insurance. If they do, they may cover some injuries, but that does not remove your responsibility. It is wise to have your own cover as well.

If a guest is injured, report it to your insurer as soon as possible, even if you think it is minor. They can guide you on what to do next.