Planning a wedding involves more than just catering, venues, and guest lists — it also comes with significant liability exposures. Gateway Specialty Insurance offers a dedicated Wedding Insurance program designed to help agents and brokers protect their clients from the unique risks associated with hosting wedding events. Whether your client is a bride and groom, an event planner, or a venue host, our program provides broad coverage solutions for a wide range of wedding-related liabilities.
The most sought-after coverages in our program include General Liability and Liquor Liability. General Liability helps protect against third-party bodily injury and property damage claims — such as damage to a rented venue or injuries to guests. Liquor Liability is especially important when alcohol is served, offering protection from lawsuits arising from alcohol-related incidents, such as DUIs or alcohol-fueled altercations that may occur during or after the event.
In addition to liability coverage, Gateway Specialty also offers markets for event cancellation and weather-related insurance. These coverages help safeguard your clients from financial losses due to unexpected disruptions — such as severe weather, vendor no-shows, or unforeseen cancellations that could derail the big day.
Ideal Accounts and Appetite
This program is well-suited for one-day or short-term wedding events held at third-party venues. Ideal insureds include individuals hosting weddings, professional wedding planners, and venues requiring proof of insurance from event organizers. Common risks we address include:
- Property damage to rented venues, tents, or equipment
- Bodily injury to guests, staff, or volunteers
- Liability for alcohol service and consumption
- Losses from event cancellation or severe weather
You might have a client renting a historic estate for their wedding and needing one-day liability and liquor coverage. Or a wedding planner requiring protection across multiple client events throughout a season. Our program offers flexible solutions to fit both one-off and recurring event needs.
Underwriting Notes and Minimum Premiums
Our wedding insurance program is underwritten through USLI and available on an admitted basis in most states. With a low minimum premium starting at $225, it's an accessible solution for a wide range of clients. There is no contract or premium commitment required to get started, making it easy for agents to quote and bind policies quickly.
Territories and Availability
The program is available in most states, including but not limited to CA, FL, TX, NY, IL, and PA. Whether your client is planning a beach wedding in Hawaii or a formal event in New York, Gateway Specialty has you covered. For a full list of available states, please refer to our website.
Why Work With Gateway Specialty Insurance
As a wholesale broker specializing in niche markets, Gateway Specialty Insurance offers deep expertise and responsive service for your special event accounts. Our team understands the unique challenges of the wedding industry and provides fast, knowledgeable support throughout the quoting and binding process. We also offer agency bill and direct bill options with several of our admitted markets, making transactions smooth and efficient.
To obtain a quote, please call our 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 requiring proof of insurance.
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 in your client’s specific 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.
Need help placing an account? Connect with a market specialist.