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How Does Wedding Ceremony Insurance Work?

Weddings are a big investment of your time and money; it may be the biggest expense you’ll ever make. Today’s couples are buying wedding insurance to protect themselves from a sudden cancellation, the replacement cost of a damaged wedding dress, or the lost deposit associated with a bankrupt supplier.

Every policy is different, but wedding insurance generally protects you from events beyond your control. Your policy will reimburse you for expenses that you’ve already incurred, such as a deposit. The following are examples where it pays to have wedding ceremony insurance*:

    1. General Expenses
      • Your venue goes bankrupt a week before the reception and you’ve already paid a substantial deposit.
      • Your fiancé unexpectedly requires surgery and will be in the hospital on your scheduled wedding day.
      • Your wedding presents are stolen from your home the day after the wedding.
      • Your dress is damaged beyond repair the week of the big event.
  1. Honeymoon Expenses

    Wedding ceremony insurance will reimburse couples for the non-refundable portion of their honeymoon if the wedding is cancelled because of an insurable event.

  2. Party Liability Insurance

    Liability insurance is an important part of hosting any event. Although you may have liability coverage through another policy, Host Liquor Liability on a wedding policy can include protection for several of your events, such as the rehearsal dinner, ceremony, reception, and gift opening.

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Is Wedding Insurance Expensive?

In Alberta, the cost of wedding ceremony insurance ranges between approximately $200 and $600. This is a reasonable cost especially if you are making a large investment in your big day.

When Should I Purchase My Insurance Policy?

Look at purchasing Wedding Insurance within 12 months of your event. Once you have started paying deposits for venues and services, it is a good idea to protect yourself from the unexpected.

What Items are Covered?

Coverages vary by company, but here is what you can expect:

  • Commercial General Liability, including Host Liquor Liability.
  • Wedding cancellation: Reimbursement of deposits for unexpected events like illness or bankruptcy.
  • Wedding photos and video: Covers extra expenses of having to retake or reproduce photos or video taken by professional photographers.
  • Bridal attire: Coverage for loss or damage to the bridal attire once the dress is in the possession of the insured.
  • Wedding presents: Insurance for loss or damage to wedding presents. Timing of coverage depends on each policy.
  • Honeymoon cancellation: If the wedding is cancelled for an insured event, the policy will reimburse the couple for non refundable deposits.
  • Loss of deposits: Covers deposits lost if a supplier goes bankrupt before the wedding.

I’m Only Having a Small Wedding, Do I Need Wedding Insurance?

Every situation is different and it is advisable to discuss your options with your wedding vendors and a professional insurance broker. Policies have different coverages and limits. A reputable broker can help you make an informed decision about wedding ceremony insurance.

What is Not Covered?

Changing your mind about getting married is not covered by a wedding policy. As is the case with all insurance policies, exclusions apply. For example, some wedding gifts and medical emergencies would not be covered.

How Do I Purchase Wedding Ceremony Insurance?

Fill in the quote form at the top of this page or contact one of our five Alberta locations today. All policies and circumstances are different so it is important to ask one of our professional brokers for advice on the best solution for your individual requirements. After that, you can sit back relax and enjoy planning your big day.

* Some restrictions and exclusions apply. To find a complete list of exclusions and restrictions, please refer to your insurance policy.

Learn more | contact us!

Calgary Wedding Insurance

You’re engaged and have a year to plan out your wedding. It seems like a long time to wait until your special day but in reality those 12 months will fly by. Once you’ve decided on your wedding date, it’s a great time to buy wedding insurance. While insurance for your wedding day is not the hottest wedding topic, it’s important to avoid added expenses in case of an unexpected delay, accident or other mishap that’s out of your control.

So, once you start paying deposits for venues and services, give Alpine Insurance a call and our brokers will answer any of your questions.

Alpine proudly serves Calgary and the following communities:

  • Airdrie
  • Cochrane
  • Chestermere
  • Strathmore
  • Langdon
  • Okotoks
  • High River
  • Surrounding areas

Edmonton Wedding Insurance

In Edmonton, the cost of wedding ceremony insurance ranges between approximately $200 and $600. This is a reasonable cost, especially if you’re spending a large chunk of money for your big day.

Besides the more obvious wedding insurance policies, there is also optional coverage which can include rental equipment, insurance for the wedding cake, rings, flowers and presents, among others. While spending several hundred dollars extra may not seem like the ideal use of your savings, if there is damage to your wedding venue or an accident happens before the wedding day, you’ll be covered.

Alpine Insurance professionals are available in the Edmonton area, including the following communities:

  • Sherwood Park
  • St. Albert
  • Fort Saskatchewan
  • Spruce Grove
  • Leduc
  • Nisku

Canmore Wedding Insurance

In Canmore, you’re in the heart of the Rocky Mountains and the wedding venues are perfect for your dream wedding pictures. You find the perfect location for your ceremony and reception, and you’re writing invites already. But, despite saving money and planning for your ideal wedding, things sometimes go wrong.

That’s where we come in to help. While wedding insurance coverage varies from provider to provider, there are some common coverage plans that you should be aware of.

What Items are Covered?

Coverages vary by company, but here is what you can expect:

  • Commercial General Liability, including Host Liquor Liability.
  • Wedding cancellation: Reimbursement of deposits for unexpected events like illness or bankruptcy.
  • Wedding photos and video: Covers extra expenses of having to retake or reproduce photos or video taken by professional photographers.
  • Bridal attire: Coverage for loss or damage to the bridal attire once the dress is in the possession of the insured.
  • Wedding presents: Insurance for loss or damage to wedding presents. Timing of coverage depends on each policy.
  • Honeymoon cancellation: If the wedding is cancelled for an insured event, the policy will reimburse the couple for non refundable deposits.
  • Loss of deposits: Covers deposits lost if a supplier goes bankrupt before the wedding.

Our Alpine brokers proudly work in the Canmore area, including:

  • Banff
  • Bragg Creek
  • Surrounding communities
Learn more | contact us!

Lethbridge Wedding Insurance

Imagine you’ve arranged every tiny detail for your wedding, including how you’re going to get to the venue and reception, catering, photographers, dress and suit, and flowers. At the last minute, your photographer declares bankruptcy. What do you do now? Are you out the deposit you put down to secure the photographer for the day? Who will take your photos now? These are important questions and something you don’t want to stress about days, or weeks, before your wedding.

Talk to the experienced brokers at Alpine Insurance about Failure of Suppliers insurance to protect you from losses from any supplier that goes bankrupt or experiences a formal insolvency. Losses could cover arranging new suppliers (i.e. equivalent services), and irrecoverable deposits, among others.

Alpine proudly serves Lethbridge and the following communities:

  • Fort MacLeod
  • Taber
  • Coaldale
  • Picture Butte
  • Magrath
  • Pincher Creek
  • Cardston
  • Claresholm

Red Deer Wedding Insurance

You want to save money on your wedding venue so you book the community centre in your neighbourhood. You may have to DIY more of the event details or hire someone to take over decorations, music, and catering but that’s up to you. But, what insurance do you need if you’re serving liquor?

A required liquor licence doesn’t mean you can BYOB. To make sure you’ve covered your bases in terms of what you can and can’t do to serve alcohol to your guests, talk to one of our brokers at Alpine to get the information you need. Also ask about events and liability insurance for your wedding day, which is separate from general wedding insurance.

Alpine’s expert staff proudly serves Red Deer and the following communities:

  • Redwood
  • Lacombe
  • Blackfalds
  • Sylvan Lake
  • Rocky Mountain House
  • Bowden
  • Ponoka
  • Surrounding areas

Faust Wedding Insurance

While there are many picturesque venues in Alberta to get married, some engaged couples want to get away from it all and celebrate. Destination weddings are as popular as ever, as they can be a cheaper option for couples just starting out together.

Some policies cover expenses for you whether you choose Mexico or the Caribbean for your dream wedding. Find out what options you have by calling one of our expert brokers at Alpine today.

Along with Faust, Alpine also proudly serves High Prairie, Slave Lake, Athabasca & surrounding communities.

Learn more | contact us!

We’re here to answer any questions you may have