Who needs another expense when planning a wedding? You may. For a few hundred dollars, you can purchase special event insurance which will protect you from liability and loss. While your venue may not require it, it would give you peace of mind if a lawsuit or property damage were to happen during your reception or event. If your venue does require you carry a special event rider with them named as additional insured, you can have the peace of mind to know that you won't start off your marriage in a court room over somebody who drank too much at your wedding and crashed into somebody's house.

If you live in an area where natural disasters happen often, you may want to purchase the insurance which will refund a portion of your deposits should you need to cancel or postpone your wedding (the postponement or cancellation needs to be beyond your control). It will also cover you if an immediate family member takes ill. The dollar amount of coverage is set by you... from $250,000 to millions of dollars.

Most coverage can include the following:

Liability insurance to protect against bodily injury, property damage or personal injury occurring at the reception.