Wedding and Wedding Reception Insurance Program

Wedding Insurance Program


You’ve fallen in love, and now you want to celebrate that love. You want to be memorable and special to create a spectacular celebration, an unforgettable party for your family and friends. So, what happens when someone gets hurt? What happens when your wedding celebration turns into a financial and emotional strain on your guests? It may seem excessive now, but insuring your wedding can help guarantee that your special day will leave you with pleasant, loving memories, not heartache and financial strain.

Whether you are looking for one-day liability coverage or a three-day package, Athos Insurance Services, LLC offers quality insurance with the lowest available premium. Our insurance professionals understand the financial demands a wedding places on a bride, a groom, and their families. We want to make sure the financial strain ends with the celebration. Protect your loved ones from the emotional and financial burden that one could incur as the result of an injury or loss. Athos Insurance Services, LLC offers specialized wedding insurance options; from the number of planned guests, to the day-after brunch, our unique programs are affordable and unmatched in the insurance industry.

Who is Covered

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.

Coverage Includes Suits Arising Out Of:

  • Injury or death of spectators
  • Injury or death of volunteers
  • Property damage liability
  • Incidental medical malpractice
  • All activities necessary to conduct wedding or wedding related events
  • Ownership, use or maintenance of facilities
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless
  • Corporal punishment


Claims made by athletic participants, aircraft, all acts of terrorism, asbestos liability, assault and battery, collapse of temporary structure, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, professional liability, pyrotechnics activity, total pollution, war liability and liability for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.

Note: There is no liability coverage for claims arising out of any of the following activities: All motor sports, ballooning, bungee jumping, cheerleading pyramids, gymnastics, inflatables, luge, mountain climbing, parachuting, polo, rock climbing, rodeo or any equestrian related sports, sale/manufacture or distribution of any athletic equipment, skin diving, SCUBA diving, snow skiing, squash, tobogganing, use of saunas or other tanning devices, use of trampolines, water slides, white water rafting or any saddle animal exposures.


The general liability coverage is provided by Riverport Insurance Company, a member of the W.R. Berkley Corporation, a publicly traded company “A+” rated by A.M. Best Company with over $2 billion in policyholder surplus. Coverage in the state of Louisiana is provided by U.S. Fire Insurance Company, “A” (Excellent) rated by A.M. Best Company.


$1,000,000.00 Per Occurrence / $1,000,000.00 Aggregate

  • Program Rate 1 Day Wedding up to 1,000 in attendance: $250.00
  • Program Rate 1 Day Wedding 1,001–2,000 in attendance: $295.00
  • Program Rate 3 Day Package up to 1,000 in attendance: $295.00
  • Program Rate 3 Day Package 1,001–2,000 in attendance: $345.00
  • Premium cost to increase the general aggregate to $2,000,000.00: Additional 5% of total premium

Please note that a processing fee of 25.00 will be added to all orders.

The Optional Coverages

Increased Aggregate—This option increases the aggregate limit of liability insurance to $2,000,000.

Program Highlights

  • Admitted Basis
  • Occurrence-Form Policy
  • Host Liquor Liability
  • Worldwide coverage for suits brought in the US, US Territories, Canada or Puerto Rico