Markel Wedding Insurance Review

Plan Details

Markel's wedding cancellation insurance offers 10 levels of cancellation/ postponement options from $7,500 to $175,000. All options include extra expenses, special jewelry, photographs, videos, and more.  Aside from traditional wedding venues, wedding cancellation insurance also covers specialty weddings and cruise weddings. Destination weddings outside the US are covered (Canada, UK, Mexico, Caribbean Islands, Bahamas, Bermuda, Puerto Rico) and cruise ships departing from approved ports. 

Markel’s wedding liability insurance offers protection if a wedding guest is injured at your event or causes property damage to the venue for which the honoree is liable. This is a good solution for venue’s requiring liability insurance, as Markel can name the venue on the Certificate of Insurance for free. Up to $2 million in coverage is available up to 24 hours before the event. 

If you do purchase a Markel wedding liability insurance policy but choose not to purchase the full Markel wedding cancellation/postponement policy, you are also eligible to add on $5,000 of wedding cancellation coverage for only $50.The added wedding cancellation protection helps cover any non-fundable deposits, up to $5,000, if your wedding is cancelled or postponed due to an unforeseen circumstance.  Please note, this option is not a full wedding cancellation policy and does not cover some of the "extras" a full policy would cover, such as: lost or damaged photography, stolen gifts, vendor no-shows, etc.

If you purchase both Markel’s wedding liability insurance and Markel’s wedding cancellation insurance, you will save up to 15% of your premium.

Coverage limits

Cancellation/ postponement policies: $7,500 to $175,000

Liability policies: Bodily injury and property damage liability - up to $1,000,000 per occurrence and $2,000,000 total.

Deductibles

$25 deductible will be charged for each coverage under the cancellation/postponement policy and a $1,000 deductible for property damage liability under the liability policy.

Examples of covered causes of loss:

Cancellation/postponement policies:

• Illness/injury of bride and groom or immediate family member
• Extreme weather occurring more than after 15 days of policy purchase
• Vendor bankruptcy
• Vendor no-shows
• Military deployment

Common Exclusions to the Cancellation/Postponement policies:

• Known circumstances
• Change of heart/voluntary decision
• Epidemics or pandemics, and infectious diseases
• Extreme weather or acts of nature within 15 days of policy purchase

Liability policies:

• Bodily injury or property damage caused by the host or honoreeCoverage 

Covered Events

• Rehearsal dinner (within 48 hours of the event)
• Wedding ceremony
• Reception
• Wedding setup and teardown (within 24 hours of the event)

Damages and Injuries

• Damage to the venue, bodily injury to someone at the event (liability policy)

Special Items (under cancellation/postponement policy)

• Special attire
• Wedding gifts
• Wedding photography
• Wedding videography
• Jewelry
• Professional counseling

Markel Wedding Insurance - Summary

Markel wedding insurance is a good buy for couples looking for a dependable policy that offers excellent coverage for both liability and cancellation insurance. It provides this protection both for weddings inside the US (cancellation and liability policies) and specialty weddings such as cruises and destination weddings (cancellation policies only). Extra expenses coverage in the cancellation policy will also be a good way of ensuring that your wedding pushes through regardless of unforeseen expenses. Markel offers a good wedding insurance product at an affordable price for couples searching for that extra assurance they will be covered on their special day.