What Couples and Venue Owners Need to Know About Coverage Limits
Weddings are full of unforgettable moments—and occasionally, unexpected injuries. So what happens if the bride or groom gets hurt on the big day? A common question we hear is:
“Can the couple’s day-of event insurance cover their own medical costs if they’re injured during the wedding?”
The Short Answer:
No, special event liability insurance does not cover injuries to the couple themselves.
These policies are designed to protect the couple if they’re held liable for injuries or property damage to others—like a guest tripping or a vendor’s equipment getting damaged. But when the policyholder (the bride or groom) is the one injured, the policy doesn’t apply.
Why? Because liability insurance protects against claims made by others. You can’t be legally liable to yourself—so coverage stops there.
What About Medical Costs?
In the case of an injury to the bride or groom—like a fractured ankle on the dance floor—personal health insurance is what would apply, not the event policy.
Tips for Venue Owners:
If a couple brings up a post-event injury, it’s helpful to confirm what was communicated or documented during planning—especially if it relates to things like dance floor layout, furniture placement, or safety features. Clear documentation helps keep expectations aligned and supports transparency for everyone involved.
Key Takeaways:
- Event liability insurance does not cover the couple’s own injuries.
- It’s meant to protect the couple if someone else is hurt or something is damaged.
- Personal health insurance should cover medical costs for the honorees.
- Venues should document layout preferences and safety measures in advance.
At Nuptial, we help venues and their clients navigate these exact scenarios before the big day—so everyone’s protected, informed, and confident in the coverage they carry. [Reach out here] if you’d like to learn more.
