K&K's wedding program offers two important wedding insurance products that can be purchased individually or as a package to help provide security and protect your clients. - Liability Insurance - required by many venues, this coverage protects you against financial liability arising from the wedding event.
Wedding event liability coverage includes the rehearsal dinner, the wedding and the wedding reception
if all are scheduled within 48 hours of the wedding ceremony. Coverage also automatically extends 24 hrs
before and 24 hrs after the wedding event for setting up and breaking down. To view a sample liability policy, click here.
- Event Cancellation / Postponement Insurance - protects your financial investment in the wedding, providing indemnity for things
such as: cancellation / postponement, lost deposits, and more. Coverage is not available in all states and does not provide coverage for loss or damage arising in any way from infection disease, virus, bacterium or other microorganisms, as well as Pandemic or epidemic as declared by the World Health Organization or any governmental authority.
To view a sample cancellation policy, click here.
Receive up to 15% off your premium when both products are purchased together! Buy online using any major credit card and purchase coverage in just minutes. Liability Coverage:
Required by many wedding ceremony and reception sites, liability coverage protects the insured if held liable for property damage or
bodily injury, and also offers host liquor liability to protect against alcohol-related accidents. Program Benefits: - Get instant upfront pricing online - no need to disclose any personal information or create an account just to get a quote.
- Wedding ceremony, reception and rehearsal dinner* venues can all be named as Additional Insured for one low price.
- Each limit is available with host liquor liability coverage. A lower premium applies to events if liquor is excluded.
- Can be purchased up to the actual day of the wedding (if purchased the same day as the wedding, coverage will be effective at the time payment is confirmed and the purchase is completed).
- Purchase online and receive coverage documents immediately (you'll also receive a copy by e-mail)***
- Certificate of Insurance can be e-mailed directly to the venue
- Coverage is primary for both the insured and the venue, which means that for covered claims, the K&K policy will pay first - before any other insurance. Primary liability coverage is preferred by most venues, and many require it.
- Liability coverage can be purchased alone, or as a package with a Wedding Event Cancellation / Postponement policy at a discounted rate
- K&K's wedding liability insurance is available to U.S. residents with weddings in all U.S. states, U.S. Territories & Possessions,
Canada & Puerto Rico.
*Rehearsal dinner must occur with 48 hours of the ceremony in order to be included on the same policy.
**Please note: Some coverage options and limits are not yet available in all states. Use the Get Your Quote option to see available coverage
options and limits in your state, or contact customer service for more information.
Three limits to choose from based on your client's needs or the venue's requirements:
Event Liability Coverage | Limit Options | | Each Occurrence | $500,000 | $1,000,000 | $1,000,000 | | General Aggregate | $1,000,000 | $1,000,000 | $2,000,000 | Property Damage ($1,000 deductible applies)
| Included
| Included
| Included
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Cancellation / Postponement Coverage: No matter how carefully a wedding is planned, some events are beyond control. The plan protects your client's financial investment in the wedding in two ways: - If forced to cancel / reschedule the entire wedding for a covered reason (does not apply cancellation / postponement
due to change of heart) - If the wedding takes place as scheduled but experience a covered damage / loss to wedding attire, wedding rings,
wedding photos / video, and more
Wedding Event Cancellation / Postponement Insurance can help the wedding go smoothly at every stage by protecting against: - Lost deposits / vendor bankruptcy throughout the planning period
- Damage to wedding gown, wedding photographs, and more
- Nonrefundable deposits if forced to postpone the entire event.
IMPORTANT NOTICE: Due to the changing circumstances surrounding Covid-19 and the significant impact it has had on the Insurance industry, event cancellation coverage may not be available in all states. Additionally, this policy does not provide coverage for loss or damage arising out of any of the following, including any fear or threat thereof, whether actual or perceived, any infectious disease, virus, bacterium or other microorganisms; Pandemic or epidemic, as declared by the World Health Organization or any other governmental authority.
Ten levels of coverage are offered based on the total wedding budget: Cancellation /Postponement | Extra Expense | Photographs & Video | Gifts | Special Attire | Special Jewelry | Loss of Deposits | Professional Counseling | | Level 1 | $7.500 | $1,875 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $500 | | Level 2 | $15.000 | $3,750 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $650 | | Level 3 | $25,000 | $6,250 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $750 | | Level 4 | $35,000 | $8,750 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $850 | | Level 5 | $50,000 | $12,500 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $1,000 | | Level 6 | $75,000 | $18,750 | $4,000 | $4,000 | $4,000 | $4,000 | $4,000 | $1,000 | | Level 7 | $100,000 | $25,000 | $5,500 | $5,500 | $5,500 | $5,500 | $5,500 | $1,250 | | Level 8 | $125,000 | $31,250 | $7,000 | $7,000 | $7,000 | $7,000 | $7,000 | $1,500 | | Level 9 | $150,000 | $37,500 | $8,500 | $8,500 | $8,500 | $8,500 | $8,500 | $1,750 | | Level 10 | $175,000 | $43,750 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $2,000 |
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