A Guide to Wedding Insurance & Liability in Kentucky
Planning a wedding is exciting! From selecting your first-dance song to picking the perfect venue, it’s a joyful journey. However, like all big events, some practicality is in order. Wedding insurance and liability procedure, for example, may not be the most exciting part of your big day, but they are important.
You may be wondering, “What is wedding insurance?” and whether you really need it. The short answer is yes, especially if you want peace of mind heading into one of the biggest celebrations of your life! Kentucky venues, including The Barn at Belle Hills, often require specific liability coverage, so understanding your options makes the planning process much easier. Here’s everything you need to know:
why you need wedding insurance
Plan as you may, weddings can encounter unexpected bumps in the road that are beyond your control. A vendor may not show, for example, or the weather can cause travel cancellations. This is where wedding cancellation insurance is a must. It helps protect your investment if the day has to be postponed or significantly altered. Beyond cancellations, many couples want protection for lost deposits, vendor no-shows, or damaged attire. Weddings involve many moving parts, and insurance provides reassurance that you are financially protected in the event of the unexpected.
types of coverage
There are lots of different wedding coverage types available. Wedding ceremony insurance, for example, covers liability for accidents, property damage, or guest injuries during the ceremony and reception. This type of coverage is especially important if alcohol will be served, if you are hosting a large crowd, or if you are celebrating in a unique venue, like a barn or outdoor space. You may also want protection for photography, catering, transportation, and even gifts. If you are sending out invitations far in advance or paying deposits early, having insurance in place helps provide peace of mind.
wedding insurance cost in kentucky
The cost of wedding insurance in Kentucky varies depending on the coverage level you select, the final guest list count, venue requirements, and whether alcohol is included in the celebration. Basic, affordable policies cover liability and minor mishaps. More in-depth plans, however, will cost more, as they tend to include wedding cancellation insurance. Most couples find that the small upfront cost is worth the reassurance of knowing they are protected from major financial loss. If you select our venue, you will be responsible for purchasing liability insurance if you decide against our bartending services and outsource. This costs between $200 and $400. We also require liability insurance for all events where alcohol is being served.
more wedding tips from the barn at belle hills
To fully enjoy your big day, purchasing insurance and understanding a venue’s liability policies is key. At The Barn at Belle Hills, we are happy to discuss our policies in depth with you so you can feel comfortable with your choices, including wedding insurance cost in Kentucky. We are also happy, of course, to discuss creating your perfect wedding day.
Ready to get started? Contact us today to schedule your tour!
The Barn at Belle Hills is located in Crittenden, Kentucky, and proudly serves the greater Crittenden, Kentucky, area, including Grant County, Owen County, Harrison County, Falmouth County, Gallatin County, Pendleton County, Boone County, Kenton County, Bracken County, Campbell County, and Scott County, Kentucky.
