Personal Liability Overview

Accidents happen when you least expect it. Make sure you are covered on your big day with Wedsure's Personal Liability Insurance. Wedsure's Personal Liability covers you in the event that you become legally responsible for bodily injury, personal injury or property damage caused by an accident which occurs during the course of your covered event.

Liability insurance coverage limits
• $500,000/$1,000,000
• $1,000,000/$2,000,000
• $2,000,000/$2,000,000

Which events are covered?
A single Personal Liability policy will cover your rehearsal, rehearsal dinner, wedding ceremony and reception.

How much is the deductible?
Personal Liability and optional Medical Payments have no deductible. Property Damage Liability offers deductibles starting at $1,000 up to $10,000.

Three things you should know
about Wedsure's Personal Liability Insurance:

1. Add Additional Insureds to your policy at no additional charge, online 24/7 and print Certificates of Insurance instantly with your event site named as the Additional Insured. View Sample Certificate
2. Wedsure's Personal Liability includes Host Liquor Liability. This is a key wedding coverage, providing protection against bodily injury or property damage suits brought by parties injured as a result of an intoxicated guest who was served alcohol at an event you hosted.
3. Property Damage Liability is included. Most homeowners insurance policies do not cover property damage liability for any property in your care, custody or control, or for any property that is occupied or used, leased or rented, by you. Wedsure does! Start building your coverage package now.

Top Personal Liability Insurance FAQs

What is Personal Liability, what does it cover?
Wedding Personal Liability Insurance provides legal liability coverage for accidents. It provides peace of mind and protection from financial loss, such as when a guest breaks their ankle or a drunk guest gets into an car accident, etc.

What if someone is injured at the rehearsal dinner?
If you purchase Personal Liability (including supplemental defense) the policy will cover allegations of bodily injury, personal injury or property damage caused by a covered accident which occurs during the rehearsal, rehearsal dinner, ceremony or reception.

Is Host Liquor Liability included?
If you purchase Personal Liability coverage, Host Liquor Liability is included.

Are medical payments included?
Medical payments coverage is optional under the Personal Liability coverage. Medical Payments pay reasonable medical expenses for each person who is injured, up to the specified limit, during the covered event for a covered cause of loss.

How do I get Proof of Insurance for the event site?
When you purchase Personal Liability coverage, an Additional Insured endorsement and Certificate of Insurance can be issued. We allow you to customize the certificate with the venue's name and location. View Sample Certificate. Please note - if your venue has specific wording to be added to the certificate, make sure to provide the required language during the application process or call 1-800-ENGAGED for approval.

More FAQs

Sample Policy and Underwriter Info

All Wedsure wedding insurance policies are secured by the Fireman's Fund. An A+ rated carrier by the A.M. Best Company, Standard & Poor's and Moody's. Fireman's Fund Insurance Company began in 1863, in San Francisco, and their name reflects their colorful beginnings. Fireman's Fund parent company, Allianz SE, of Munich, Germany, is the fourth largest financial institution in the world. Allianz operates in over 70 countries with more than 170,000 employees.

Allianz purchased Fireman's Fund in 1991. Fireman's Fund was a good fit for Allianz because both companies value financial strength, traditional values, and have a philosophy that honors loyalty and service to their customers.

As of December 31, 2007, Fireman's Fund had statutory assets of $11.8 billion, with $2.9 billion in policyholder statutory surplus. Since their acquisition by Allianz in 1991, Fireman's Fund Insurance Company's gross written premiums have grown from just over $3 billion in 1992 to $5.9 billion in 2007.

Sample Policy
View Wedsure Sample Policy

"Without character, man amounts to nothing, and the same is true of a corporation, which is man's creation. Character involves honesty, integrity, loyalty and fair play. These qualities are the foundation of a code which the Fireman's Fund has followed throughout its entire existence, in all its relationships - with agents, policyholders, stockholders, employees and competitors." - J. B. Levison
President of Fireman's Fund, 1917 to 1937