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Winter weddings are magical but risky. Event insurance may cover weather, travel issues, and vendor problems.
Published on September 22, 2025
2-minute read
Winter weddings are enchanting and magical with breathtaking photo backdrops and elegant and whimsical themes, but they also pose unique risks due to increased chances of unexpected weather and travel challenges. Even the best planned weddings aren’t foolproof. That’s why event insurance can help to relieve the financial burden you could potentially face.
Some of the top risks related to winter weddings include:
- Slips on icy walkways
- Flight delays
- Road closures
- Unsafe travel conditions
- Weather-related cancellations
- Increased chance of illness in the winter months
- Vendor no-shows or late arrivals due to overcommitment
Winter weddings pose unique risks to due increased chances of inclement weather
Event liability insurance
When you secure event liability insurance for your winter wedding, you protect yourself from incurring costs or financial losses resulting from third-party claims.
Let’s take a further look at what event liability insurance covers:
- Property damage and stolen items
- Medical costs for illnesses or injuries
- Legal expenses for theft or injuries
Event cancellation insurance
Event cancellation insurance may help reimburse you for lost deposits and non-refundable amounts if you have to cancel or postpone your winter wedding due to unforeseen circumstances, such as:
- Lost vendor deposits or services for no-shows or vendor bankruptcy
- Extreme weather
- Accident/illness of the event host or immediate family member
Your cozy winter wedding deserves a safety net. Purchasing event insurance gives you the peace of mind you deserve.
Markel offers event cancellation insurance, which reimburses you for lost deposits and non-refundable amounts if you have to cancel or postpone your wedding due to unforeseen circumstances. It may cover stolen gifts, a wrecked gown, lost wedding rings and more. Coverage can be purchased anytime up to 14 days before your event, and policies start as low as $130.
In addition, Markel offers event liability insurance, that may help offer protection for incidents such as property damage to the venue or injury to a guest. Up to $2 million in wedding liability insurance can be purchased from Markel any time up to 1 day before your event and covers your ceremony and reception, rehearsal and setup/takedown. Policies start as low as $75.
Visit www.markeleventinsurance.com or call 1-855-480-9757 to get a free, no obligation event insurance quote and learn more.
As of September 2025, the lowest premium for event liability is $75 and rates could exceed $75 depending on the coverage options selected and the state of residence. The lowest premium for event cancellation is $130 and rates could exceed $130 depending on the coverage options selected and the state of residence.
Get total protection for your event and save.
Save up to 15%** by purchasing both event liability and cancellation coverage, and rest easy knowing your event is protected.