Do I need Public Liability Insurance for a Wedding?

As a bride, groom or event organiser you will be coming into contact with your guests or members of the public, so it is likely you will decide you need public liability insurance for your wedding. 

Public Liability Insurance for Weddings is designed to cover the costs associated with defending the wedding organiser against claims arising from the injury or death of a member of the public, or for the damage or loss of their property.

Even if your venue doesn’t explicitly state that they need public liability insurance, taking out a policy gives you the peace of mind you need to focus on your big day.

Public liability cover forms a vital part of any Event Insurance policy and can save you from substantial financial problems. To get a quote to protect your wedding day against potentially costly liability claims head over to our Event Insurance page.

What does it cover me for?

No matter how well you plan your wedding day, accidents can happen. This could be a guest falling over loose cables, a wine spilled over an expensive carpet, or a window smashed whilst setting up your venue.

If any of these things occurred and were blamed on your negligence as the event organiser, legal action could be brought against you.

With a wedding public liability insurance policy in place, you will be covered against any of the following incidents occurring to a member of the public at your event:

  • Accidental bodily Injury
  • Accidental damage to property
  • Accidental death

Please note that the policy won’t cover you if you are forced to cancel, reschedule or postpone your wedding and it won’t protect you if you’re let down by your venue/caterer/florist or other wedding suppliers.

Who needs Public Liability Insurance for Weddings?

Whilst public liability insurance for weddings isn’t a legal requirement in the UK, it is a sensible idea for any couple or event organiser to take out a policy.

As with any type of events accidents can and do occur, so it is a wise step to protect yourself against incidents that can result in a claim being made against you.

How much Public Liability cover do you need?

Every wedding is different, and the level that you choose, whether it is £1, £2, £5 or £10 million will depend on your individual circumstances.

One thing that you do need to consider though is the venue that you hire may have their own rules as to the minimum level of cover they require you to have. Speak with your venue to see if there are any rules you need to follow.

 

If you are hosting your wedding at an exclusive venue or set to have a large number of attendees, it may be worth considering a higher level of Public Liability insurance.

Ultimately, it is down to the wedding organiser to decide on the level of cover taken out but going without any protection at all is a very risky alternative.

Instant Quote | Public Liability Insurance for Weddings

How to get cover?

To get your quote for Public Liability insurance to cover your wedding, just click the button below where you’ll be given the option to add on Equipment Cover and Employers’ Liability to your One-Off Event Insurance policy.

Want to know more about public liability insurance for events, and organising an event in general? Then take a look at our handy guide.

You may also wish to learn about 10 different ways to promote your event or 12 event tools you need to try.