Wedding and Wedding Reception Insurance Program
A Liability Insurance Program Providing Protection from Lawsuits of Bodily Injury and/or Property Damage
Host Liquor Included
You've fallen in love, and now you want to celebrate that love with your friends and family. You want to be unique and commemorate your wedding with an incredible party for your friends and family, who love and support you and your partner. What happens when someone gets hurt, and your wedding celebration turns into a financial and emotional strain on your guests? It may seem unnecessary now, but insuring your wedding can help guarantee that your special day will leave you with pleasant, loving memories of your wedding.
Your wedding can be the happiest day of your life. Months of planning mean that you should enjoy the wedding of your dreams. You may have made all the arrangements for your forthcoming wedding, or you could still be in the planning stages for the big day. Whatever your circumstances, Harmon Insurance can help you protect your family and friends during your celebration. Hopefully your wedding day will take place with no setbacks, but unfortunately, accidents do happen.
Whether you are looking for one-day liability coverage or a three-day package, Harmon Insurance offers quality insurance with the lowest possible premium cost to you. Our firm understands the financial demands that a wedding places on a bride and groom, and their families. We want to make sure the financial stresses are over with the wedding. Protect your loved ones from the emotional and financial burden that one can incur as the result of a loss or injury. Harmon Insurance offers specialized insurance for your wedding, from the number of guests you plan to have at your wedding, to the day-after brunch, our unique program is affordable and unmatched in the insurance industry.
Who is Covered
This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.
Coverage Includes Suits Arising Out Of:
- Injury or death of spectators
- Injury or death of volunteers
- Property damage liability
- Incidental medical malpractice
- All activities necessary to conduct wedding or wedding related events
- Ownership, use or maintenance of facilities
- General negligence claims
- Cost of investigation and defense of claims, even if groundless
- Corporal punishment
Exclusions for Commercial General Liability Coverage, include but are not limited to the following:
Access or Disclosure of Confidential or Personal Information and data-Related Liability – With Limited Bodily Injury Exception, Coverage C – Medical Payments, Employment Related Practices Exclusion, Fungi or Bacteria, Exclusion of Other Acts of Terrorism Committed Outside the United States; CAP on Losses from Certified Acts of Terrorism, Exclusion of Punitive Damages Related to Terrorism, Liability Arising Out of Lead, Silica or Related Dust Exclusion, Nuclear, Biological, or Chemical Exclusion, Failure to Provide Waiver and Release Sublimit, Exclusion – Organic Pathogens. All of the above are subject to the terms and conditions of the policy.
Horse Vaulting/Jumping, Trick/Stunt Riding, Equine Racing Exposures, Leasing of Horses, Inflatable Amusement Devices, Corn Cannon, Jumping Pillow, Pumpkin Launching Devices, Carnival Rides, Knockerball/Bubble Soccer, Bungee Devices, Fireworks Sales & Displays, Mechanical Bucking Devices: including Multi Ride Attachments, Permanent & Mobile Rock Wall Structures, Rock Climbing, Security Services Other Than Contracted Law Enforcement Officers, Trampolines, Zip Lines, Ropes Course, Tackle Football, Surfing, Zippy Pets, White Water Rafting, Water Skiing, ATV/UTV, Trackless Trains, Participants of Aerial Activities.
The general liability coverage is provided by United States Fire Insurance Co. (Admitted) (A Excellent XIII A.M. Best)
$1,000,000.00 Per Occurrence / $1,000,000.00 Aggregate. The Liability premium rates begin at:
Program Rate 1 Day Wedding up to 500 in attendance:$82.50
Program Rate 1 Day Wedding 501-1000 in attendance:$250.00
Program Rate 1 Day Wedding 1001-2000 in attendance:$295.00
Program Rate 3 Day Wedding up to 1000 in attendance:$295.00
Program Rate 3 Day Wedding 1001-2000 in attendance:$345.00
Note: Rates and minimum premium may be higher in certain coverage states.
Please note that a $10.00 Administrative Fee will be added to all orders. A 3% Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.
The Optional Coverages
$5,000 Medical Expense Benefit
This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.
Hired and Non-Owned Automobile Liability Coverage
This liability coverage provides protection for rented, borrowed and other non-owned vehicles.
This summary of coverage and exclusions is no substitute for reading the entire policy. To receive an entire policy, contact the program administrator.