A wedding insurance policy generally covers the losses that result due to the following circumstances.
Wedding Site: A wedding insurance policy covers the cost of the wedding in case the ceremony at the reception site is cancelled owing to any damages. A reception site can be inaccessible in case it is damaged by fire or if the way is blocked by an ice storm.
Weather: The losses, which can cause cancellation of the ceremony owing to extremely bad weather conditions, is covered by the policy. In such circumstances, wedding insurance covers expenses involved in rescheduling the event and other necessary expenses.
Sickness or Injury: Losses due to cancellation or postponement of the ceremony in case the bride, bridegroom or key relatives get injured or fall sick.
No Show of Service Providers: A wedding can be postponed in case some essential service provider, like the caterer fails to attend the party. Insurance covers the cost of rescheduling in such cases.