Planning a wedding involves more than catering, venues, and guest lists — it also creates liability exposures that agents need to address. Gateway Specialty Insurance offers a dedicated Wedding Insurance program designed to help brokers and agents protect clients from the risks that come with wedding events. Whether the insured is a couple, a professional wedding planner, or a venue host, this program provides broad, flexible coverage solutions for short-term and one-day events.
The program’s primary coverages include General Liability and Liquor Liability. General Liability helps protect against third-party bodily injury and property damage — for example, damage to a rented venue, tents, or equipment, or injuries to guests or staff. Liquor Liability is critical when alcohol is served, offering protection from lawsuits arising from alcohol-related incidents, including altercations or post-event accidents.
In addition to liability, Gateway Specialty places event cancellation and weather-related coverages through admitted markets. These options help safeguard clients from financial loss caused by severe weather, vendor no-shows, or other unforeseen cancellations that could derail the event.
Ideal Accounts and Appetite
This program is tailored for one-day and short-term wedding events held at third-party venues. Typical insureds include couples hosting weddings, professional wedding planners, and venues that require evidence of insurance from event organizers. Common risks covered are:
- Property damage to rented venues, tents, décor, or equipment
- Bodily injury to guests, vendors, staff, or volunteers
- Liability from alcohol service and consumption
- Financial losses from event cancellation or severe weather
Examples of appropriate placements: you might have a client renting a historic estate for a one-day ceremony who needs day-of General Liability and Liquor Liability, or a wedding planner seeking coverage for multiple client events across a season. The program supports both single-event and recurring event needs with flexible terms.
Underwriting Notes and Minimum Premiums
Gateway Specialty’s wedding program is underwritten through USLI and is available on an admitted basis in most states. The program features a low minimum premium starting at $225, making it accessible for a wide range of wedding accounts. There is no contract or premium commitment required to submit business, allowing agents to quote and bind quickly.
Territories and Availability
The program is available in most states, including (but not limited to) AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, and WY. Contact Gateway Specialty to verify availability and admitted status for the specific state where the event will be held.
Why Work With Gateway Specialty Insurance
As a wholesale broker focused on niche event markets, Gateway Specialty combines underwriting expertise with responsive service for special event accounts. Agents benefit from specialized underwriting, admitted market access through USLI, and efficient placement options including agency bill and direct bill where available. The program is designed for fast quotes and straightforward bind-to-issue workflows.
To obtain a quote, call the phone quote team at 877-474-7868, quote on our website, email applications or ACORDS to [email protected], or contact Anthony Vellutato at 877-977-4474 extension 7044 or [email protected] with questions.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for one-day wedding events, including individual couples, professional wedding planners, and venues that require proof of insurance from event organizers.
What coverages are available through the Wedding Insurance program?
Available coverages include General Liability, Liquor Liability, Event Cancellation, and Weather Coverage.
Is this program available in all states?
The program is available in most states. Contact Gateway Specialty to confirm availability and admitted options in your client’s event location.
What is the minimum premium for this program?
The minimum premium starts at $225, making it an affordable option for single-day events like weddings.
Do I need a contract to submit business to Gateway Specialty Insurance?
No. There is no contract or premium commitment required to work with Gateway Specialty, which makes quoting and binding straightforward.
Need help placing an account? Connect with a market specialist.