Coverage Options
Comprehensive protection tailored to every aspect of your wedding day.
Wedding Cancellation Insurance
Reimburses non-recoverable deposits and prepaid expenses if your wedding must be cancelled or postponed due to covered reasons: extreme weather, sudden illness or injury to the couple or immediate family, venue bankruptcy or closure, military deployment, or other unforeseen events beyond your control.
The average Utah wedding costs $15,000-$40,000+, with thousands paid upfront in non-refundable deposits to venues, caterers, photographers, and florists. Cancellation insurance protects these investments so you won't lose everything if the unexpected happens.
Coverage typically ranges from $7,500 to $175,000+ depending on your wedding budget and the policy you choose.
Get Cancellation Coverage
General Liability Coverage
Covers bodily injury and property damage claims from third parties at your wedding. If a guest trips on the dance floor, or the cake table collapses and damages the venue floor, liability coverage protects you.
Most Utah wedding venues require liability insurance as part of their rental agreement. They typically require you to name the venue as an additional insured on your policy and provide a certificate of insurance (COI).
We provide COIs quickly — often the same day — so you can meet your venue's deadline and get back to planning your wedding.
Get Liability CoverageLiquor Liability Coverage
If your reception includes alcohol — whether open bar, cash bar, or BYOB — this coverage protects you from claims arising from alcohol-related incidents at your wedding.
Utah venues and caterers frequently require liquor liability as a condition of their contract. As the event host, you can be held legally responsible for injuries or damage caused by intoxicated guests.
Liquor liability can be added to your general liability policy or purchased as a standalone add-on. Coverage typically ranges from $1 million to $2 million per occurrence.
Get Liquor Liability Coverage
Weather Insurance
Particularly important for outdoor Utah weddings. Covers financial losses when adverse weather — rain, wind, extreme heat, snow, lightning — forces cancellation, relocation, or significant disruption to your ceremony or reception.
Utah's climate is famously unpredictable. A beautiful Park City summer day can turn into an afternoon thunderstorm in minutes. Southern Utah weddings face extreme heat risks, while fall and spring ceremonies risk early snow or late-season storms.
Weather insurance gives you the freedom to plan the outdoor wedding of your dreams without worrying about what Mother Nature might do.
Get Weather CoverageVendor No-Show Coverage
Covers additional expenses when a contracted wedding vendor fails to appear or deliver as promised: photographer, caterer, DJ, florist, baker, officiant, or rental company.
You've spent months choosing the perfect vendors. But what if your florist goes out of business, your photographer has a family emergency, or your caterer double-books? Vendor no-show coverage protects you from the financial hit of scrambling to find and pay for a last-minute replacement.
This coverage reimburses the additional cost of hiring a replacement vendor beyond what you originally contracted to pay.
Get Vendor Coverage
Attire, Rings & Gifts Coverage
Covers loss or damage to wedding attire (gown, tux, bridesmaids' dresses), wedding rings, gifts received, and decorations. Protects against theft, fire, water damage, and accidental loss before, during, and after the wedding.
Your wedding dress alone may cost $1,000-$10,000+. Add in rings, groomsmen attire, bridesmaid dresses, and wedding gifts, and there's a significant investment in physical items that deserve protection.
This coverage ensures you're not left paying out of pocket if something happens to these irreplaceable items.
Get Attire & Gift CoverageWhich Coverage Do You Need?
Use this guide to identify the right coverage for your wedding situation.
| If you... | You need... |
|---|---|
| Are booking a venue that requires insurance | General Liability (+ COI naming venue) |
| Are serving alcohol at your reception | Liquor Liability |
| Have paid large non-refundable deposits | Cancellation / Postponement |
| Are planning an outdoor ceremony in Utah | Weather Insurance |
| Have contracted multiple vendors | Vendor No-Show |
| Have an expensive dress, rings, or gifts | Attire, Rings & Gifts |
| Want complete peace of mind | Full Coverage Package (all of the above) |
Not Sure What You Need?
Tell us about your wedding and we'll recommend the perfect coverage package.
Get a Custom Quote