Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Claim examples for Wedding Insurance

Published on June 26, 2014

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TYPICAL REASONS WHY WEDDING INSURANCE COVERAGE IS IMPORTANT:

  • Protect your Homeowner’s Policy/Renter’s Policy — Don’t take the chance of reducing your limits due to a claim at your wedding
  •  Banquet facility is requiring you to carry your own General Liability and Liquor Liability Insurance and your Homeowner’s Policy will not provide the high limits required by the facility or sponsor, and/ or will not add an additional insured to the policy
  •  Homeowner’s Policy may cap their Host Liquor Liability limit at $300,000 or exclude host liquor completely.
  •  Personal Umbrella Policy may contain a Liquor Liability exclusion
  •  Peace of mind for your big day!

 

WHY CHOOSE OUR WEDDING PLUS SPECIAL EVENT PRODUCT?

Product features:

  •  General liability and host liquor liability coverage included with separate limits (important if there are multiple large claims)
  •  Coverage for property damage caused to the rented banquet hall facility (your guest could spill red wine on the carpet and you could be held responsible)
  •  Medical payments coverage is provided (your guest could fall on the dance floor and may seek coverage for their medical expenses)
  •  Food and beverage product liability is included (your guest could become sick from spoiled food served at your wedding and you could be held responsible)
  •  No general liability deductible
  •  Rehearsal date can be included for no additional charge
  •  $1,000 sublimit for wedding attire (cost to repair or replace the bride or groom’s attire if damaged or stolen) included for no additional charge
  •  $1,000 sublimit for lost deposits (cost to reimburse for a lost deposit if a vendor goes out of business, declares bankruptcy or fails to show up) included for no additional charge
  • Up to three additional insureds including the banquet hall facility owner can be included for no additional charge
  •  Experienced carrier with an A++ rating by A.M. Best
  •  Competitive premiums starting at $250

CLAIMS EXAMPLES

  •  General Liability – Claimant attended a wedding and got food poisoning from the seafood that was served. Medical bills totaled $8,500.
  •  General Liability – A guest at a wedding damaged the white carpet when they spilled a glass of red wine. Property owner sued for the property damages totaling $5,400.
  •  General Liability – A guest at a wedding slipped on a spilled drink while dancing on the dance floor. She suffered a severe knee injury which required several surgeries. Medical bills totaled $145,000.
  •  Liquor Liability – A minor was served alcohol at insureds wedding reception. After leaving the reception, the minor got into his car, lost control of his vehicle and struck a telephone pole. Claimant suffered severe facial lacerations and sued the bride and groom and the banquet facility for illegal service to a minor. Medical bills totaled $275,000.

*If you an individual interested in getting a wedding insurance policy, contact your independent insurance agent and mention Abram Interstate’s product. 

**Insurance agents:

Quote online Today

Or call for a phone Quote at 888.845.1626

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets in California and surrounding areas. We have markets for wholesale wedding insurance, wholesale special event insurance, and much more!

 

photo credit: MjZ Photography via photopin cc