An increasing number of venues are now insisting that couples take out some form of public liability insurance themselves. Public liability insurance covers situations such as:

  • Damage to the wedding venue, for example a guest spilling red wine over an expensive carpet or rug
  • A guest getting injured, perhaps having slipped on a wet floor
  • Negligence by one of your guests, for example if a guest spills hot coffee over another guest

Fortunately though, this doesn’t usually mean taking out an additional insurance policy as public liability cover is usually included as part of a wider wedding insurance product or can be added for just a small additional premium. Providers such as Greenbee and Ecclesiastical include public liability cover as standard, whereas other insurers such as Weddingplan will add cover for just an additional £19.

Public Liability vs Personal Liability

Most wedding insurance policies include cover for personal liability as standard. This offers similar protection to public liability, but usually only covers the Bride and Groom. Public liability extends this cover to those invited to the wedding or reception.

As with all insurance products, you should always read the small print carefully to check specifically what the policy does and doesn’t include.

Whether you’re looking for personal liability cover or public liability, wedding insurance is a great way of providing financial peace of mind for your special day. There are a number of companies that provide wedding insurance in the UK and many of them are listed on our comparison table. You can see at a glance the products that are available and can order them by premium and amount of cancellation cover provided.