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How Does Wedding Ceremony Insurance Work?

Weddings are a big investment of both time and money. Your wedding might even be the biggest expenditure you have ever made. Today, more than ever before, couples are purchasing 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. The policy will reimburse you for expenses that you have already incurred, such as deposits. 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 have already paid a substantial deposit.
      • Your fiance 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 wedding 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.

 

For Calgary wedding insurance brokers click here
For Canmore wedding insurance brokers click here
For Edmonton wedding insurance brokers click here
For Faust wedding insurance brokers click here
For Lethbridge wedding insurance brokers click here
For Red Deer wedding insurance brokers click here

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.

Fill in your details...

All fields are required


Weddings are a big investment of both time and money. Your wedding might even be the biggest expenditure you have ever made. Today, more than ever before, couples are purchasing 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.

How Does Wedding Ceremony Insurance Work?

Every policy is different, but wedding insurance generally protects you from events beyond your control. The policy will reimburse you for expenses that you have already incurred, such as deposits. 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 have already paid a substantial deposit.
      • Your fiance 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 wedding events, such as the rehearsal dinner, ceremony, reception and gift opening.

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.

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.

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.

 

For Calgary wedding insurance brokers click here
For Canmore wedding insurance brokers click here
For Edmonton wedding insurance brokers click here
For Faust wedding insurance brokers click here
For Lethbridge wedding insurance brokers click here
For Red Deer wedding insurance brokers click here

We’re here to answer any questions you may have