28th March 2014 by Adam
Many wedding venues require proof of liability cover in the event the wedding couple are found legally liable for damage to the property.
Dreamsaver Wedding Insurance automatically includes public liability cover for the wedding couple in the event you are held legally responsible for accidental damage that either of you may cause to the venue during your event. However, this does not provide protection if it is one of your guests that causes damage to the property, nor does it cover any legal liability that arises purely as a result of the contract you have signed, such as becoming responsible for damage caused by one of your guests.
For extra protection and peace of mind, you may wish to consider adding our optional Public Liability insurance for guests, which provides cover up to £2 million for all guests invited to the wedding or reception.
This provides protection in the event you or your guests are held legally responsible for accidental damage to the wedding venue. And many venues now require a limit of £5,000,000 so Dreamsaver also offers the option to increase to this amount subject to payment of the appropriate premium.
As a bonus, when you add Optional Public Liability to your Dreamsaver Wedding Insurance policy, liability cover will now be included for a friend or amateur performer, such as a DJ or musician who is providing unpaid entertainment at your wedding. This can provide peace of mind that your friends will have liability insurance if they offer to play the piano or run the disco for you, as long as they are not being paid for their services.
Please note that Dreamsaver's optional Public Liability cover is not designed for small incidental damage such as broken glasswear, it is designed for bigger incidents in which you may be held legally liable for damage to property at the wedding venue you have hired.
Also, outside service providers such as photographers, paid musicians, catering and the venue itself should have their own insurance in place.
If you would like to have extended Public Liability for your wedding, please select the appropriate options when you purchase your Dreamsaver Wedding Insurance policy here www.weddinginsurance.co.uk