Wedding Event Insurance

Wedding Insurance For Your Big Day!

JAUNTIN’ is a leader in wedding event insurance solutions.  By leveraging the JAUNTIN’ embedded insurance platform, the entire process of distributing wedding events coverage can be automated and reduced down to minutes and even seconds.

Need a wedding policy right now for a venue in the U.S.?  Click here.

Wedding liability insurance is a critical part of any wedding and can protect both the couple and venue from unforeseen incidents that could lead to financial loss.  Not a great way to start of a marriage.  Unfortunately, wedding events insurance is painful to acquire, especially given all the other things that the couple needs to worry about like catering and decor.

Fortunately, wedding insurance is very affordable and easy to acquire within minutes, allowing the bride and groom to focus on other aspects of the wedding, while having peace of mind.


So what are the pain points?

For The Couple Getting Married:

Weddings are already stressful.  Finding out from the venue that an insurance policy is required (especially at the last minute) can add further stress to the host.  Furthermore, having to research and acquire a policy can take days, even weeks through traditional broker/agent channels.

Most importantly, in the insurance world there is a thing called the subrogation clause, which is defined as “a right held by most insurance carriers to legally pursue a third party that caused an insurance loss to the insured.” So in other words, wedding couples can be pursued by an insurance company for any losses they have caused.  A very strong argument to spend $75 on a policy.

The JAUNTIN’ embedded insurance platform allows couples and wedding organizers (like wedding planners) to secure a policy within minutes.  Need a policy now?  Click here.

For Venues:

Weddings are a large source of revenue for millions of venues around the country.  As part of the risk mitigation process for these venues, the venue (or their insurance company) require third party renters to secure their own insurance for the event.  However, this requirement adds a large administrative burden on to the venue. Administrators need to follow up with renters to ensure they have secured an insurance policy with the right coverage.  Also, ensuring that the venue is properly listed as an additional insured on the policy certificate is an additional burden.

The JAUNTIN’ embedded insurance platform allows venues to reduce the whole insurance process down to minutes.  This also removes a large administrative burden from the venue so they no longer need to chase and reconcile which renters have provided proof of coverage.

All in all, the above pain points are solved by the JAUNTIN’ embedded insurance platform through its low and/or no-code options allowing for embedding in seconds.

For Brokers/Agents:

Because wedding policies can start at $75, it is hardly worth the time and effort for brokers and agents.  Policies can take days, even weeks to coordinate, making it inefficient to process wedding event policies.  However, in order to maintain a strong relationship with venues, brokers and agents continue to (grudgingly) sell these policies and view these as a loss-leader for potential future business from the venue for larger business policies.

“Wedding events coverage is a critical coverage, however due to the nature of the product it is hard to prioritize as a broker.  The JAUNTIN’ platform allows brokers to service these requests, while entirely reducing the amount of work needed to be done by the broker.” Rain T., Founder, JAUNTIN’

The JAUNTIN’ embedded insurance platform allows brokers/agents to distribute ongoing special events policies without having to do any processing.  The platform automates everything so the whole process is done in minutes (or even seconds), reducing the time a broker/agents spends by over 99%.  Find out how by contacting us.


Reasons coverage is needed

Why venues must offer wedding coverage.

At the end of the day, a general insurance policy is a requirement for any business.  A single claim could lead to a business/venue losing access to affordable insurance options (or even leave it with no options at all).  Venues that rent out their spaces for weddings can insulate themselves (and protect their insurance premiums) by requiring third party renters to secure wedding events insurance.

A simple indemnification clause in the renter’s agreement is not enough!

Why renters must get it.

Aside from being made mandatory from the wedding venue, a wedding events insurance policy can protect the renter/organizer from lawsuits and financial losses that results from accidents and injuries that occur during the wedding.  It also provides peace-of-mind allowing the policyholder to focus on the event.

Not convinced?  Consider these examples:

  • Photographer’s camera bag with event pictures was stolen during the event. Hotel accused of failing to provide adequate security.  Event Insurance paid $3,000 plus defense costs (legal fees).
  • Venue held Rentee responsible for damaged carpet at reception.  Event insurance paid $5,523.81.
  • Wedding guest slips on rose flower.  Event insurance paid $4,200.00.
  • Groom while carrying his bride dropped her.  Law suit against venue.  Event insurance paid $12,250.00.
  • A guest was injured in a fall on a slippery dance floor. Law suit alleged hotel provided improper dance floor.   Event coverage paid – $2,500 plus legal fees (defense).
  • A guest moved antique dining table and two table legs cracked. Claim paid by Property Damage coverage – $1,865.
  • Pregnant x-girlfriend crashes wedding ceremony.  Groom’s sister fights x-girlfriend.  Venue, Wedding Planner, Groom/Bride sued.  Damages alleged were $120,000.  Event insurance settled for $15,000.
  • Elderly guest tripped over electrical cord taped to the carpet.  Event coverage paid $15, 245.06 plus defense costs (legal fees).
  • Guest became intoxicated, killed himself and two others whilst driving home from the event.  Law suit filed under Dram Shop laws to hold hotel responsible.  Event insurance paid $775,000 plus legal fees (defenses costs).
  • Hosts held responsible for damaged table top and other property damages. Event insurance paid by Property Damage coverage – $7,000
  • Emerald ring stolen during wedding event. Hotel sued for negligent security.  Event insurance paid $11,250 plus defense costs (legal fees).
  • Gifts were stolen from trunk of car.  Event coverage paid $1,088.
  • Conventioneer slips on ice/snow at venue.  Sues Convention organizers and venue.  Event insurance pays $24,500.00.
  • Fire damage to venue caused by rentee.  Event insurance paid $24,365.60.
  • Man sues venue for false arrest/wrongful detainment after crashing wedding reception.  Event insurance pays nothing, but spends $55,000 in defense costs.
  • “Silly string” sprayed on guests at birthday party caught fire causing second & third degree burns to several children.  Law suit filed against rentee and hotel for $1,000,000.  Event insurance settled for $135,456 plus legal fees (defense costs).
  • Multiple claims filed against hotel for food poisoning.  Event insurance paid $4,360.20.
  • Fire loss to venue’s ballroom. Event insurance paid $7,000,000 paid for property damage and loss of business income.
  • Guest being interviewed on stage during a convention had heart attack and died.  Estate sued for damages alleging that the stress caused by the interview contributed to guest’s death.  Event insurance paid policy limits $1,000,000 plus legal fees (defense costs).
  • Protester files lawsuit against venue for wrongful detention and false arrest. Event insurance  pays $10,000 plus defense costs (legal fees) in settlement.
  • Earthquake during convention dinner caused suspended ceiling and lights to fall injuring several guests (some severely).  Rentee and Hotel sued for $10,000,000 (Building contractor and architect weren’t sued because the Statute of Repose expired).  Event insurance paid $1,000,000 policy limits. Hotel’s insurance paid $6,500,000 plus defense costs (legal fees).

Why brokers should continue to offer special events coverage.

Although a traditionally painful product to sell, it is now possible to automate the entire distribution of a wedding insurance policy.  This allows brokers to maintain their relationships with the venue with no additional effort.  Best of all, commission is still paid to the broker making special events insurance a passive income source for brokers going forward.

Wedding Insurance FAQs

In general, the venue’s insurance protects the venue and does not provide coverage for liability or property damages caused by the wedding or its guests.  Just like a renter of an apartment can be held liable for damages, so can a renter of an event venue.

This is a definite possibility.  In most cases, third-party insurance is required by the insurers of the venue/property.  Even if it isn’t, requiring third party renters to acquire their own insurance can insulate the venue’s insurance policy from claims.

Coverage can start from $75 and cover up to a four day wedding for the same price.

Many insurance policies have a subrogation clause, which grants the insurance company the right to seek damages from at-fault third parties on behalf of their policyholders. Subrogation allows the insurer to pay the claim right away, and then go after the at-fault party on their own to cover that expense.  In the case of events, the venue’s insurer may pay for damages upfront, then go after the renter for any damages they feel they are entitled to.

Post-claim underwriting happens, just as it says, after the claim. The insurance company only goes through the underwriting process after a claim is made. Any inconsistency found between the records and the forms used to apply for the coverage could make a claim invalid.  In the case of wedding venues, if it is not disclosed upfront that venue rentals are a source of income, the venue itself could be denied coverage in the event of a claim arising from a third-party event.  This could further expose the wedding couple.

Bailee coverage can cover losses to customers’ property due to perils including fire, lightning, theft, burglary, robbery, windstorm, explosion, collision, floor, sprinkler leak, earthquake, strike and damage or destruction in transportation.  In the case of events, if a third-party renter rents third-party property as part of the event that’s unrelated to the venue, the wedding couple could be liable for any damages caused by or to the third-party property.  This includes rented chairs, decor, cutlery, and more.