When couples look into taking out a wedding insurance policy they often tend to think only of problems such as the caterers getting the wrong day, the venue double booking or burning down, the wedding party getting food poisoning or the wedding limousine breaking down.

These are all disasters which can very easily ruin a wedding day, and taking out wedding insurance is essential in order to protect what should be one of the most special days of your life, and almost certainly one of the most expensive.

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Yet for a couple of pounds extra you are usually offered something called liability insurance. You might consider the Best Man a liability, but often it can seem as though liability insurance is something that isn’t really needed.

Optional Extra?

In many cases it’s an optional extra, and people simply don’t add it, assuming that optional extras are less important. They’re not. In fact sometimes optional extras can be the very things to spare you from a really unpleasant and horrifically expensive downfall.

Public liability cover can protect you from several issues, but sadly one of the most costly is when someone at the wedding has an accident, and decides to sue for compensation. Years ago the very idea would have been laughable, but these days the statistics show that it is a worryingly growing trend, and we are increasingly living in a mitigation driven society.

Taking out this cover usually means that if anyone has an accident, you can’t be touched, and if a service provider such as the photographer or the venue owner decides to sue one of your guests because of damage caused, then your liability cover will often step in to help put things right.

Accidents used to happen. Today they’re no longer accidents, they’re events for which there is always a culpable party, and with culpability comes compensation. Liability cover is something you shouldn’t need, and it’s unpleasant to imagine that you do. But it would be even more unpleasant not to add it to your wedding package for the sake of a couple of pounds, and then find you’re looking at a bill for tens of thousands of pounds.

Article written by Adam. See his profile.