In recent years, small weddings have gained popularity. During Covid they were a necessity, and now many couples prefer an intimate celebration to a large soiree. These scaled-down celebrations offer couples a different experience that can be more intimate and sometimes cost-effective. Let’s explore why small weddings are on the rise, examine the idea that small means less risk, delve into what event insurance covers, and ultimately explain why even small weddings can benefit from event insurance.

The Rise of Small Weddings

In recent years, many couples have celebrated their love in a more intimate setting. There are several reasons behind the surge in small weddings:

COVID-19: Small weddings really took off during COVID-19 out of total necessity. Many couples scaled their wedding plans back to have a wedding but stay within local rules and regulations. 

Intimacy: Small weddings allow couples to focus on their closest family and friends, creating an intimate and heartfelt atmosphere. 

Cost-Effectiveness: Traditional weddings can be exorbitantly expensive. On the other hand, small weddings enable couples to allocate their budget more efficiently, often resulting in a more meaningful celebration without breaking the bank.

Flexibility: Smaller guest lists make finding unique and offbeat venues easier, giving couples the flexibility to choose a location that truly reflects their personalities and preferences.

Reduced Stress: Planning a large wedding can be incredibly stressful, from managing logistics to handling the guest list. Small weddings simplify the planning process, making it less overwhelming for couples.

Does Small Mean Less Risk? Do smaller events mean less risk? 

One common misconception is that small weddings are inherently less risky than large ones; therefore, insurance isn’t unnecessary. While it’s true that small weddings can mitigate certain risks associated with larger events, they are not immune to potential issues. Here’s why:

Unexpected Illness or Injury: Even in an intimate gathering, unexpected health issues can arise, leading to cancellations or rescheduling. This can result in non-refundable deposits being lost without insurance coverage.

Vendor No-Shows: Vendors, such as photographers, caterers, and florists, can encounter unforeseen circumstances that may prevent them from fulfilling their obligations, which can disrupt your client’s small wedding without proper coverage.

Unpredictable Weather: Mother Nature is unpredictable, and a small outdoor wedding can be ruined by inclement weather. Event insurance can provide coverage in such scenarios.

Cancellation or Postponement: Sometimes, life throws curveballs, making it necessary to postpone or cancel your wedding. Event insurance can help your clients recoup some of their losses in such situations.

What Does Event Insurance Cover?

Event insurance, often called wedding or special event insurance, is a financial safety net that covers unforeseen circumstances that can disrupt your client’s special day. The specific coverage and terms can vary, but it typically includes the following:

Cancellation or Postponement: If your clients must cancel or postpone their wedding due to reasons covered in the policy (e.g., illness, extreme weather, vendor bankruptcy), event insurance can reimburse them for non-refundable expenses.

Vendor No-Shows: If a contracted vendor fails to show up or fulfill their obligations, event insurance can cover the costs of finding a replacement.

Property Damage: Event insurance can cover damage to the venue or property caused by wedding guests.

Liability Insurance: Many policies include liability coverage, protecting the couple from legal and financial responsibility in case of accidents or injuries during your event.

Wedding Attire and Personal Belongings: Event insurance can provide coverage if the couple’s attire or belongings are damaged or stolen.

Why Wedding Insurance is Needed For A Small Wedding

The idea that small weddings are less risky and don’t require event insurance is a misconception. In fact, small weddings are just as susceptible to unexpected issues as large events. Here are some compelling reasons why your clients should consider event insurance for their small wedding:

Investment Protection: Small weddings can still involve significant financial commitments. Event insurance ensures that your client’s investment is safeguarded in case of unforeseen cancellations, vendor issues, or other unexpected events.

Peace of Mind: Planning a wedding can be stressful, regardless of size. Event insurance provides peace of mind, allowing couples to focus on enjoying their special day rather than worrying about potential disasters.

Non-Refundable Deposits: Even small weddings often involve non-refundable deposits for venues, vendors, and other services. Event insurance can help your clients recover these costs if plans are derailed.

The rise of small weddings is a testament to the changing landscape of wedding celebrations. Event insurance is a crucial tool for couples planning small weddings, providing financial protection and peace of mind. No matter the size of the celebration, investing in event insurance is a wise decision, ensuring that your client’s special day remains truly special, regardless of any unforeseen circumstances.

*This post is sponsored by Markel Service, Incorporated

Markel Event Insurance is an easy and affordable solution for your clients, with liability coverage starting as low as $75.  A free event insurance quote takes only a few minutes online or on the phone. 

Get more information now on the Markel Insurance website on how easy it is for event planners to recommend event insurance to their clients.

This blog is intended for general information purposes only, and should not be construed as advice or opinions on any specific facts or circumstances. The content of this document is made available on an “as is” basis, without warranty of any kind. This publication is not intended to be legal, underwriting, or any other type of professional advice.  Persons requiring advice should consult an independent adviser.  Markel does not guarantee any particular outcome and makes no commitment to update any information herein, or remove any items that are no longer accurate or complete. Furthermore, Markel does not assume any liability to any person or organization for loss or damage caused by or resulting from any reliance placed on this content.  Coverage is provided by one or more of the insurance companies within Markel and policyholder services are provided by the underwriting manager, Markel Service, Incorporated, national producer license # 27585, in California d/b/a Markel Insurance Services, license # 0645481. Insurance and coverage are subject to terms, conditions, availability and qualifications and may not be available in all states.  *Markel Specialty is a business division of Markel Service, Incorporated, the underwriting  manager for the Markel affiliated insurance companies.© 2025 Markel Service, Incorporated.  All rights reserved. Markel® is a registered trademark of the Markel Corporation.