Do I Need Wedding Day Insurance?

Every bride dreams of their special wedding, a day of perfection where every detail of the ceremony and reception goes smoothly. While focusing on all the beautiful details, why would you even want to consider needing wedding day insurance? Maybe you haven’t even heard that it exists.

Wedding Day Insurance

Wedding Day insurance helps protect you from lost deposits and unforeseen events which interrupt or postpone your wedding, including any injuries that might happen.

Natural disasters such as snow storms, hurricanes or tornadoes can cause havoc, not only for the bride and groom, but also for the venue or guests travelling.

Bradley Junell DJ at Crenshaw Hall-2
Wedding Reception in Outdoor Tent

Early in 2013, we were catering an indoor wedding reception during a hurricane and a giant tree fell right next to the venue. Thank goodness no one was harmed.

With increasing numbers of severe storms in central North Carolina, taking extra precautions with wedding insurance can provide you with important piece of mind.

Venue Related Wedding Insurance

If you are using a well-known or long established church or reception venue, they will most likely carry insurance on your behalf covering guest accidents and varied medical issues.

Some venues will carry weather related postponements or cancellations, but not all, so you will want to check with the venue.

Vendor Related Wedding Insurance

Outdoor Pavillion
Wedding Reception at Shady Wagon Farm’s Outdoor Covered Pavillion

In addition, you will want to check with each vendor including DJ, photographer / videographer, caterer, and other vendors about what provisions they have in case they can’t provide as planned, or if the weather delays the event.

Wedding Related Coverage

What kind of coverage is available?

  • Rented Property repair or replacement
  • Wedding Attire repair or replacement
  • Jewelry Loss or repair
  • Photo or Video Retakes
  • Additional Expense
  • Cancellation or Postponement Expenses for nonrefundable deposits or expenses
  • Insurance for Gifts loss or damage
  • Personal Liability

While it looks like you can get insurance for just about any aspect of your wedding that you would like covered, you’ll need to read the fine print carefully. Insurance is only as good as the fine print.  This New York Times articles discusses wedding insurance fine print examples.

Single-day insurance plans can be purchased for as little as $200-$400, and may be worth it if you are concerned about the summer hurricane season or other unforeseen events.

Catering by Design is known for their exceptional service, delighting you and your guests on your very special day!


Catering by Design is ready to talk with you about your important event. Call us and tell us what you’re imagining. (919) 481-2366.

We serve a wide area around the Raleigh, Durham, Chapel Hill area of North Carolina. We’re a full service catering company; we can arrange for anything you may need for your special day.

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