Understanding Destination Wedding Insurance

When planning a multi-day destination celebration, every decision carries weight—and the right protection is part of that. Destination wedding insurance isn’t about expecting something to go wrong; it’s about safeguarding the time, energy, and investment behind an extraordinary weekend. At Jennifer Buono Events, we require liability coverage and help our clients navigate optional protections like cancellation insurance, so nothing important is left to chance.

Destination wedding insurance typically includes two core types of protection: liability coverage for on-site incidents and cancellation insurance for unexpected disruptions. Depending on where you’re hosting your event—whether it’s in Mexico, the Caribbean, or closer to home—the type of coverage you choose matters. Below, we break down what each policy covers, what it doesn’t, and why thoughtful protection is part of luxury-level planning.

Event Liability Insurance

Covers: Guest injuries, property damage, venue requirements

This is the type of insurance that venues almost always require. It protects against third-party claims for bodily injury or property damage during your event.

Example scenarios

• A guest trips and needs medical attention.

• A rental piece damages the venue’s flooring.

What you need to know

• We require all clients to list Jennifer Buono Events as an additionally insured.

• It does not cover weather-related cancellations, vendor no-shows, or bankruptcy.

• If alcohol is involved, a liquor liability add-on may be required based on venue/state guidelines.

Event Cancellation or Postponement Insurance

Covers: Major disruptions like severe weather, illness, or venue closure

In regions like Florida, the Caribbean, and Mexico, hurricane season is a real and recurring consideration. Major storms can shut down airports, delay vendor shipments, and even force long-term hotel or venue closures. It’s not just about rain—it’s about recovery time. For couples planning a multi-day destination event, cancellation insurance is one of the smartest ways to protect your investment and maintain flexibility without unnecessary stress.

This optional, yet smartly protective insurance helps recoup non-refundable expenses if your event needs to be canceled or postponed due to covered reasons.

Cancellation/Postponement Scenario Examples

• Hurricane or severe weather prevents your wedding.

• Sudden illness or injury in the immediate family.

• Venue closure or bankruptcy before your event.

What You Need to Know

• Many providers (like BriteCo) reimburse lost deposits and rebooking costs, including vendor no-shows.

• Cancellation policies must generally be purchased 30–60 days before your event—some providers start coverage even earlier.

• If you need ultra-flexible protection (like change-of-heart cancellation or vendor failure options), confirm and customize your policy accordingly.

Custom Coverage Options for Multi-Day Events

Depending on provider and policy level, you may include coverage for:

• Gifts, décor, attire, or photography materials

• Liability for rehearsal dinners and multiple event days

• Alcohol-related incidents (host liquor liability)

• BriteCo offers these elements in their structured packages—for example, zero-deductible liability, standard vendor no-show protections, and 5-day liability coverage.

Why It Matters

We’ve seen firsthand how the right coverage can protect more than just a date—it preserves the intention behind a weekend. One of our destination weddings was postponed due to an unexpected hurricane just days before guests were set to travel.

Because the couple had secured comprehensive destination wedding insurance, we were able to navigate the reschedule with clarity, care, and minimal financial loss. Our ability to reimagine the celebration was rooted not only in smart planning, but in the trust they placed in their coverage.

You can explore how we approach complex, multi-day weddings through our portfolio and see how flexibility, foresight, and design integrity work together.

Where to Purchase Event Insurance

Here are companies we’ve vetted and frequently recommend:

On BriteCo specifically:

• Recognized by International Gem Society as a top wedding insurance provider.

• Trustpilot ratings show 4.6/5 for responsiveness and clarity.

• Verified reviews highlight streamlined platforms, zero deductibles, and responsive claims assistance.

Jennifer’s Perspective

We require liability insurance (with Jennifer Buono Events listed as additionally insured) and highly recommend cancellation/postponement coverage—especially for destination or multi-day celebrations. We walk through these options early and help track deadlines so arrangements fall into place smoothly.

Destination Weddings Abroad

Most U.S.-based wedding insurance policies are designed for events held within the United States. If you’re hosting your celebration in Mexico, the Caribbean, or another international destination, it’s essential to confirm whether your policy extends abroad. While some providers offer cancellation coverage for international events, liability protection is often not included. We recommend working with a private insurance broker for tailored international coverage, or confirming with your planner which options align with your location.

Liability and cancellation coverage, we recommend exploring WedSafe, Wedsure, or Markel Insurance.
For clients needing a quick COI or venue-specific compliance, The Event Helper is a helpful resource.
High-net-worth couples or bundled luxury coverage, BriteCo offers modern options worth considering, or we recommend working with a private insurance broker.

What We Recommend for Our Clients

At Jennifer Buono Events, we walk our clients through insurance requirements early in the planning process—because clarity now means fewer surprises later. Once you’ve secured your policy, simply send us your Certificate of Insurance (COI), and we’ll ensure every vendor and venue is aligned. If you’re unsure where to begin, we’re happy to recommend reputable providers and guide you based on your destination, date, and level of investment.