Staten Island NY Wedding Plus Product

Why Buy Special Event Coverage For Weddings?

Typical reasons why coverage is important

Homeowner’s Policy may cap their Host Liquor liability limit at $300,000 or exclude host liquor completely.
Personal Umbrella policy may contain a Liquor Liability exclusion
Banquet facility is requiring you to carry your own General Liability and Liquer Liability Insurance and your Homeowner’s Policy will not provide the high limits required by the facility or sponsor, and/or will not add an additional by the facility or sponsor, and/or will not add an additional insured to the policy
Peace of mind on your big day!

Claims Examples

Liquor Liability – A minor was served alcohol at insured’s wedding reception. After leaving the reception, the minor got into his car, lost control of his vehicle and struck a telephone pole. Claimant suffered severe facial lacerations and sued the bride and groom and the banquet facility for illegal service to the minor. Medical bills totaled $275,000.
General Liability – A guest at a wedding slipped on a spilled drink while dancing on the dance floor. She suffered severe knee injury which required several surgeries. Medical bills totaled $145,000.
General Liability – Claimant attended a wedding and got food poisoning from the seafood that was served. Medical bills totaled $8,500.
General Liability – A guest at a wedding damaged the white carpet when they spilled a glass of red wine. Property owner sued for the property damages totaling $5,400.
Lost Deposit – the caterer goes out of business a month before the wedding. Deposit of $900 is lost.
Lost Attire – The bride’s wedding gown was stolen from her vehicle while attending the rehearsal. She needed to pay $750 to rent a gown at the last minute.

Product Features

Designed to cover General Liability and Host Liquor Liability
Separate limits for General Liability and Host Liquor Liability
Rehearsal date can be included for no additional charge
$1,000 sublimit included for lost deposits and attire
Up to three approved Additional Insured can be included at no additional charge
Coverage for damage to rented premises
Medical payments coverage
Food and beverage product liability included in the General Aggregate