Wedding Insurance: What is it?

Posted by David Hamilton on Jul 26, 2018 10:20:34 AM

Rings, blog post

Special event wedding insurance protects a couple if they are sued as a result of a mishap at their wedding that injures a guest or damages the venue. It also covers lost rings, presents, gowns but does not cover the missing best man.

Why Get Wedding Insurance?


  • Alex and Robin spend months planning their summer wedding on a relatives farm. On the big day a forest fire blocked access to the farm. With the right wedding insurance policy, the couple can postpone their wedding and receive the money they lost (less the deductible)—including money for the invitations, wedding cake, food, rented dresses and suits and non-refundable deposits for the band, flowers and other suppliers.
  • The ring is stolen from the truck of the best man’s car. Special event wedding insurance will pay for a replacement.
  • Right before walking down the aisle, the marquee tent is buffeted by wind and comes loose from its moorings and injures guests and destroys the buffet. The wedding insurance policy will provide the wedding couple with a lawyer to defend the resulting lawsuits from friends and relatives and the policy will also pay for the judgement amounts and will pay for the food and destroyed catering tables.

How Much Does Wedding Insurance Cost?

A basic one day wedding insurance policy that covers: attire, presents, deposits and venue liability usually costs anywhere between $130 and $350, depending on the amount of coverage you want.

Get a Free Online Quote Now

Do You Really Need Wedding Insurance?

If you cannot afford the costs associated with a lawsuit then it is smart to transfer the risks of your wedding to an insurance policy. The cost of one day event insurance for a wedding is usually 1% or less than the cost of your wedding budget. Often the venue will not allow you access until you prove you have short term venue liability. The venue may also want to see evidence of venue alcohol liability.

When Should You Get Wedding Insurance?

As soon as you start your wedding checklist. Let's say you put a deposit on your wedding venue months in advance of your wedding date and then it is damaged in a windstorm a month before the big day. With online wedding insurance, you'll receive your deposit back.

What Does Wedding Insurance Cover?

Check our online site to learn all the ways you will be protected.

Wedding Insurance Doesn't Cover...

  • A change of heart.
  • Unused alcohol
  • Photos or video or food that was not as good as you were expecting

Cheap event insurance is available for your wedding online with no need to talk to an insurance broker. Get a free wedding insurance quote in 3 minutes.

Get a Free Online Quote Now

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides wedding insurance for the lowest possible cost. Should a claim occur, Front Row ensures that business rental insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.







Tags: Special Event Insurance, wedding insurance, short term venue liability, cheap event insurance, venue alcohol liability, wedding insurance policy, one day event insurance for a wedding, wedding insurance quote, one day wedding insurance, wedding budget, wedding checklist, online wedding insurance

Keep your backyard wedding on budget with the click of a button: fast wedding insurance available online in 5 min

Posted by David Hamilton on May 22, 2018 9:54:37 AM

Online Wedding Insurance

When you picture your perfect backyard wedding, what do you see? A hug from your mom just before you walk outside; lanterns glowing on the pathways; saying “I do” in the garden you grew up in? Cutting the cake your best friend made for you, and watching the stars come out as candlelight flickers across the faces of your friends and family? Having a wedding at home is a beautiful way to keep your celebration intimate and meaningful, not to mention a smart strategy for keeping your budget in balance on the big day. No matter what your perfect at-home wedding looks like: don’t forget to insure it.

Wedding insurance is easy to get - it takes about 10 minutes online and starts at $105 - and it’s a reliable way to cover yourself (or your parents, if they’re hosting for you) so that your wedding doesn’t include some unwelcome hidden costs. Here are some of the situations that we see commonly come up with home weddings. These are what you’ll want coverage for:


    • Vendor fails: if your vendor doesn’t show, you could be short a wedding cake, a photographer, catering or music. We’ve written before about weddings where the cake’s been unable to get there due to floods or forest fires closing roads - it’s sadly not uncommon during BC’s summer months but a vendor no show can represent some of the biggest costs associated with your wedding- especially in the case of entertainment or catering.
    • Rescheduling the wedding (or honeymoon): It takes a lot to reschedule a wedding, but if a loved one gets sick or a bad storm hits, it’s worth it to know you can reschedule risk-free.
    • Rented clothes ruined: Wine spills happen. Don’t let them cost you.
    • Guest gets hurt: If someone slips on the dance floor and breaks their ankle, wedding insurance protects everyone. This last one’s really important, because injuries like this can make a big difference to someone’s livelihood. Spilled wine that you didn’t clean up off the dancefloor could end up costing $15,000 or more if your guest’s out of work for a while. Insurance coverage means you don’t need to worry about this all too common scenario.


While homeowner’s insurance sometimes covers some of these unexpected costs, you’ll want to read the fine print carefully. In our experience, it’s well worth it to purchase wedding insurance and make sure you’re fully covered. You can buy ours online in about 3 minutes here.

Tags: wedding insurance, insurance for wedding venue, insurance for wedding, wedding liability insurance, wedding insurance cost, insurance for wedding rings, wedding ring insurance

Disaster on your wedding day? It's more common than you think

Posted by David Hamilton on May 10, 2018 3:01:30 PM

Unforgettable wedding day horror stories and how to keep your day from becoming a disaster!

As insurance providers, we think about disasters a lot - so that you don’t have to live them.

Here, we've gathered some of the most unforgettable Canadian wedding day horror stories: not only do they showcase how true love always triumphs, they’re a good reminder that there are some things you just can't predict -- and that's why there's wedding insurance.

Read on for some unforgettable wedding day disasters - and then let us make sure you’re covered for anything on your big day with our wedding insurance packages, starting at $105.

Online Wedding Insurance

Forest Fire Wedding:

During the epic forest fires that raged across BC in 2017, one 100 Mile House, BC, couple found themselves racing the blaze for their wedding. Their wedding cake provider was unable to get to the wedding, and their venue was put on evacuation alert. But, as their friend and wedding photographer Liz of One Blue Fish Photography recounted: “This wedding was happening come hell or forest fire.” It wasn’t the wedding the couple was dreaming of, but seeing their community pull together despite the fires was inspiring. “The amazing love and support that these two received will always stay with me.” said Liz.


DYK: Losing a wedding cake can cost you anywhere from $500 to $2000 or more - and cancelling your whole wedding without insurance could potentially set you back the entire cost of your wedding.


Stormy weather:

Jay and Quandra Werner’s wedding venue was destroyed by a windstorm so bad it made headlines. Tents were tossed by the wind, and a cameraman was taken to Vancouver General Hospital with a broken wrist. “I was ready to just run away,” said the groom. “I said the wedding's off. I just I can't, it's gone. It’s completely gone. It's pretty upsetting to see nine months of work gone in just 60 seconds.” After he tried to call off the wedding twice (and his bride put it back on again, twice) something magical happened - members of the Burrard Inlet Yacht Club pulled together to make their vows happen despite the destroyed venue. Aww.


DYK: Cancelling a wedding can cost you anywhere from $10,000 and up, depending on your vendors...and without wedding liability insurance, any injuries that may happen (on the dance floor or otherwise) that prevent a person from earning their livelihood can create even more financial trouble.


Priest MIA

“The priest was in fine form and we looked forward to seeing him two days later on our big day,” Marie Fraser wrote to Global BC. “Except that, well, he didn’t show up. Catholic Priest M.I.A.” The wedding party scoured White Rock, BC for anyone who could marry the happy couple. In the end, a Pentecostal preacher was located at his home, and he kindly agreed to facilitate the couples’ vows...still wearing his gardening gear.


DYK: In BC, a marriage officiant starts at $80, and they’re expected to charge additional fees for travel, extra hours and other costs. The couple getting married is responsible for any additional costs incurred by last minute an MIA officiant can add substantially to your costs.


Rained out:

BC bride Jessica Turner described what it was like to get married during the worst storm in 2003 to Global BC. “We got married on the 100-year storm and no one was able to get there,” she explained. When a nearby bridge washed out, the wedding cake provider, the photographer, her husband’s family and the father of the bride were all left stranded. “It was a quiet, quick ceremony to say the least…” remembered Jessica. “I was trying my best to keep it together and only cried periodically throughout the day."


DYK: Losing a wedding cake can cost you anywhere from $500 to $2000 or more - as for losing the chance to have your loved ones at your wedding - that’s a cost we can’t estimate.


If these stories keep you up at night, check out our wedding insurance plans! We cover your big day against disaster, including scenarios like service providers going MIA, or destroyed property. It’s easy and fast to purchase online here - and if you enter the code CANADAWEDDING, we’ll take $50 off your policy.

Tags: wedding insurance, insurance for wedding venue, insurance for wedding, wedding liability insurance, Wedding insurance Costs, wedding insurance cost, insurance for wedding rings

Wedding Insurance Has Your Big Day Covered: What does it cost?

Posted by David Hamilton on Mar 12, 2018 12:30:25 PM

Check out this article published by GLOBE NEWSWIRE featuring our Online Event Liability Insurance Package.

View the Article Here



Planning a wedding? You’ve got a lot on your plate. Let us help you check one item off your list in 3 minutes: wedding insurance to cover everything you might worry about on your big day! 

Our Online Event Insurance Package is easy to purchase online.

Up to $5,000,000 in General Liability Coverage to cover damage to your rented venue.

Optional coverage available for: rental of furniture, sound and lighting, Event Cancellation and more!

Insuring with Front Row is simple and easy: 3 minutes and a few clicks will protect your wedding.


Get a Quote


Tags: wedding insurance, insurance for wedding venue, wedding liability insurance, wedding insurance cost, insurance for wedding rings

Planning a Wedding at  home?  Will your Homeowners Policy cover you?

Posted by David Hamilton on Dec 8, 2017 5:21:22 PM

The wedding ceremony in your parent’s back yard was more beautiful than you imagined. Later in the evening, the reception is in full swing when a scream pierces the music on the temporary dance floor. One of your parents work friends – a highly successful yoga instructor– has slipped on some spilled wine and torn all the ligaments in her knee.

Wedding Insurance

She will be in a cast and unable to work for six months. She will not be able to make the $15,000 per month that she has been earning for her classes. Worse, she has no disability insurance.

Within weeks of the wedding, a lawyers letter arrives demanding compensation for lost wages due to the hosts negligently failing to clean up the wine hazard on the dance floor. The letter also demands compensation for rehab expenses.

The parents call their homeowners insurance broker only to be told that they needed to take out wedding event insurance in order to be covered. Their homeowners policy will not protect them for a wedding they host at their home. The bride’s parents are now in the awkward position of having to defend themselves from a lawsuit from their friend.

This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many wedding hosts assume they are covered by their homeowners insurance policy when in fact they most likely are not. This messy scenario is easily avoided with inexpensive online wedding insurance.

If you use your home for a wedding, check your insurance policy and make sure your coverage is appropriate. If not, Front Row Insurance Brokers have created a 5-minute Online Insurance Solution!  

Get a Quote in 2 Minutes  ➲

Our online wedding event insurance policy is available in all provinces in Canada.

All rented equipment is covered for replacement cost for: theft, damage and fire.

  • Wedding insurance cost starting at $55
  • Up to $5,000,000 in wedding liability insurance to cover damage to the wedding venue and injury to guests and vendor staff. Will also provide lawyer costs.
  • Unlimited Additional Insured certificates for your wedding venue and vendors at no additional cost.

"We wanted to make the insurance process easier, faster and cheaper for wedding hosts,” said David Hamilton, President of Front Row “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process online wedding event insurance is much less and we have passed the savings onto the person buying the insurance for the wedding. Although the policy is online, we are still available to answer questions by, chatbot, e mail or over the phone if required.”

Insurance for weddings is a specialty of Front Row. We make it easy to protect your special day – at a cost that could be less than a bottle of champagne. Pop! Pop!

Get a Quote in 2 Minutes  ➲


Tags: Special Event Insurance, wedding insurance, wedding liability insurance, event liability insurance

4 Reasons to Buy Online Insurance for Weddings from Front Row

Posted by Mike Groner on Dec 8, 2017 11:29:34 AM
  1. Wedding insurance allows you to relax and enjoy the big day.     Weddings cost an  average $30,159 in Canada . The hall, the food, the DJ, flowers, photos and all the other costs add up to an expensive day. Wedding insurance provides you with peace of mind in two ways. Wedding property insurance  provides coverage for damage to: your wedding attire, lost/stolen gifts, photographs,– even wedding ring insurance and more. Wedding liability insurance covers you when you are legally responsible for injury or damages that occur at your wedding. If one of your yoga teacher guests slips on spilled wine and tears knee ligaments and cannot work they may sue you for lost income and rehab / medical costs. Wedding liability insurance also provides a lawyer to defend you.
  2. Online Insurance for WeddingMany wedding venues require that you show evidence of wedding liability insurance.     Many venues do not want to be responsibility for situations that happen at your wedding that cause damage to their venue or injury to your guests. This means requiring short-term event insurance from you – the tenant of their venue. Check your venue contract to see if you are responsible for providing a wedding liability certificate to your venue owners. Our certificates are free and can be issued within 60 seconds of paying with a credit card on our on line site
  3. Vendors may not give you a refund if you cancel.      What happens if you are  forced to cancel or postpone your wedding? Will the baker take back the cake? Will the banquet hall and caterer refund your deposit? Will the photographer refund her deposit?  In these cases, you will want to recoup as much money as possible and you can do so by transferring the risk to insurance
  4. What happens if one or more of your vendors is a no show   Wedding event insurance can financially protect you against unreliable vendors that don’t show

Front Row Insurance Brokers offers online wedding event insurance

Get a Quote in 2 Minutes  ➲

Protect your special day in less than 6 minutes and pay with a credit card. Our wedding insurance cost starts as low as $55. Quotes take 2 minutes and are offered free without obligation on our online site.

Tags: wedding insurance, insurance for wedding

Why you should consider purchasing wedding insurance

Posted by Mike Groner on Dec 6, 2017 4:39:32 PM
Wedding Table .jpgPlanning a wedding? There are many risks associated with hosting a wedding: your guests may damage the venue or the rented furniture or the sound system. Your guests could trip on temporary carpeting or a wine spill on the dance floor and injure themselves.


When hosting a wedding, most banquet halls and venues will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Front Row Insurance Brokers offers online wedding insurance in minutes:
Policies start at $55 and certificates for your wedding venue and vendors are free.



If you will be serving alcohol at your wedding make sure that you request venue alcohol liability – available through our online site . Remember, as a renter you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your wedding and harm themselves or someone else.
It’s always good planning to have wedding insurance because you never know when something unexpected may occur. Wedding insurance will allow you to fully enjoy your special day.

Tags: wedding insurance, insurance for wedding venue, insurance for wedding

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