With this blog, Emerald can help you decide whether you need wedding insurance and a full wedding insurance policy that has its own public liability insurance element, or whether stand-alone public liability insurance may be more suitable.


If you are planning a wedding, then it is important to protect yourself and your guests from any potential accidents or injuries. One way to be proactive about this is by purchasing a public liability insurance policy for the event. This will cover things like property damage or personal injury on site during the festivities. 

It’s not just weddings that need to worry about protecting themselves with proper insurance coverage; most people don’t know that they also need this at their own houses too! It may sound like overkill, but when you think of how much can go wrong in a home, it makes sense to take precautions so that you’re covered if anything does happen. You’ll want it if there’s an accident involving any of your guests.

Why it’s important

Do you want to stay on the right side of the law and have peace of mind that your guests are protected against any mishaps? This blog post will outline what public liability insurance is, why it’s needed at a wedding, how much it costs and who should provide it. 

This can cover things like injuries or accidents caused by defective products, an illness contracted from another guest or third party activity on the premises.

This is usually bought by the person organizing the event. The cost covers everyone attending including family members and friends so if you’re looking after someone else’s child there may be a fee attached to your ticket!

The most important thing to think about when planning a wedding is the guests! You want your guests to have fun and enjoy themselves, but what if they get hurt on your property? This could lead to costly lawsuits and tarnish their memories of the day.

Insurance for wedding liability – as part of wedding insurance or not – can help protect you from this potential disaster. Read on for more information about how it works and why you need it.

What does wedding public liability insurance protect?

This means you and your guests are covered for the legal costs of any legal action up to certain limits and money values. Public liability also includes cover for damage to the venue. It could be particularly useful if you are getting married in particularly valuable furniture such as listed mansions. It is a fairly standard policy.

Insurance would protect you if a guest caused personal injury to a third party or damage to their property, such as a glass of wine on the DJ’s speakers, a guest spills hot coffee on someone or damaged the equipment and the wedding event as a whole. If a compensation settlement was deemed necessary, insurance would take care of the costs of the damages. Insurance is available for weddings and private events across the UK and around the world.

How is this different from wedding insurance?

Wedding insurance policies cover a broader range of potential events that might affect third parties – so for example if the wedding venue burned down before the wedding so your wedding reception was cancelled because of a lack of venue (you can also get separate wedding reception insurance as a type of event insurance but we are not covering that here.

Other insured events that a broader wedding insurance cover include wedding cancellation cover, consequences of wedding cancellation, damage to a wedding cake or wedding gifts, theft of wedding presents or money, damage to wedding attire, insolvency of wedding suppliers, loss of wedding rings, either the bride or the groom falling ill, accidental loss of documents, loss of a wedding dress, damage to a wedding dress, non-appearance of your professional photographer, financial failure of a supplier, wedding venues going bust, bride and groom or family member becoming ill on the day or other specific circumstances.

Many wedding insurance policies also include public liability cover as part of the wedding insurance package for for some it is optional so do check.

About the one thing it does not cover is cold feet on your wedding day!


It goes without saying that you want to have everything covered when it comes to your wedding, but one thing a lot of people forget about is cover for public liability. If something happens and the venue or caterer gets sued because they weren’t insured, then where does this leave you?

This could be catastrophic if there’s an injury or damage done at your event. You don’t need to worry about this happening to you though; we offer affordable coverage for wedding or other event insurance so that no matter what happens on the day of your special occasion, our team will be here with backup in any way possible. We can help!

Emerald Life is a limited company authorised and regulated by the Financial Conduct Authority FCA with registered number 666615. Its registered office is in England and Wales and you can find details with the Financial Conduct Authority.

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