Understanding Wedding Insurance: What Every Couple Should Know

Planning a wedding is one of the most exciting—and detailed—times in your life. From flowers and food to guest lists and timelines, there’s a lot to think about. One thing that often gets overlooked, though, is wedding insurance. While it might not be as fun to talk about as cake flavors or color palettes, it’s one of the smartest ways to protect your big day from the unexpected.

At Windsor Manor, we care deeply about helping couples feel secure and supported throughout their planning journey. That’s why we require all couples to obtain at least $500,000 in liability insurance coverage for their wedding. This ensures that everyone—guests, vendors, and the property—is protected during your celebration.

Let’s take a closer look at the different types of wedding insurance available and what each one covers.

1. Liability Coverage (Required at Windsor Manor)

Liability insurance is designed to protect you if something goes wrong during your wedding—for example, if a guest accidentally damages property or someone gets injured at your event.

Most policies cover:

• Property damage to the venue

• Bodily injury to guests

• Legal expenses if a claim arises

This is the minimum required coverage at Windsor Manor, with a policy limit of $500,000. Many couples easily obtain this coverage through their existing homeowners or renters insurance provider, or through a specialty event insurance company such as WedSafe, EventHelper, or Markel.

2. Cancellation or Postponement Coverage

While not required at Windsor Manor, many couples choose to add cancellation or postponement coverage for extra peace of mind.

This type of policy reimburses you for non-refundable deposits and expenses if your wedding must be canceled or rescheduled due to unexpected circumstances—like severe weather, illness, or a vendor going out of business.

It can also help cover additional costs if your event needs to be postponed, ensuring you don’t lose your entire investment due to something out of your control.

3. Vendor and Property Coverage Add-Ons

Some insurers offer add-ons for things like lost or damaged wedding attire, stolen gifts, or vendor no-shows. These smaller policies can be a big relief if your wedding dress is delayed, your photographer’s equipment gets damaged, or your caterer cancels last minute.

These add-ons are entirely optional but can offer additional protection—especially for destination weddings or events with multiple moving parts.

Where to Purchase Wedding Insurance

Wedding insurance can be purchased online in just a few minutes, and most providers issue instant certificates of insurance that can be sent directly to Windsor Manor. Commonly used providers include:

• WedSafe

• EventHelper

• Markel Event Insurance

• The Event Helper through RVNA

We recommend comparing options to ensure the policy meets Windsor Manor’s requirements and your own comfort level.

Final Thoughts

Wedding insurance isn’t just about checking a box—it’s about protecting the day you’ve worked so hard to plan. At Windsor Manor, we want you to focus on celebrating, not worrying. By securing your liability coverage (and any additional coverage you choose), you can rest assured that your wedding day is protected, no matter what comes your way.