What does wedding event insurance cover?

Wedding event insurance, sometimes called public liability insurance, is about protecting you on the day itself. It pays out if a guest is injured at your wedding and you are found legally responsible, or if a guest's property is damaged while they are at the event. For example, if someone trips over a cable and breaks their wrist, or a child knocks over a speaker and damages it, this cover can help.

This type of insurance is often required by venues, especially if you are hiring a hall, a marquee, or a private space. The venue will usually have its own insurance, but they may ask you to have your own to cover your guests and your suppliers. If you are having the wedding at home or in a public park, event insurance is especially useful because your home insurance may not cover a large gathering.

Event insurance does not cover cancellation, supplier failure, or loss of your own items like rings or gifts. Those are covered under a separate wedding policy. Some insurers sell a combined policy that includes both event and cancellation cover, while others sell them separately. Check what the venue requires before you buy.

Event insurance is usually inexpensive compared with the cost of a legal claim, and it can give you peace of mind. Always read the policy to see what it excludes, such as alcohol-related incidents or certain types of entertainment. If you are unsure what your venue needs, ask them directly. For any legal requirements, check GOV.UK or speak to your insurer.