Personal Liability vs Public Liability: what’s the difference?
| Personal Liability | Optional Public Liability (guest liability) | |
|---|---|---|
| Who it covers | The two of you | Your invited guests |
| Included? | Yes, with every policy | Optional add-on |
| Limit | £2m (rises to £5m if you buy £5m Public Liability) | £2m or £5m, your choice |
| Where | UK and abroad, except the USA and Canada | UK weddings only |
| Excess | £250 | £250 |
Both cover legal liability if someone is accidentally injured, or their property is accidentally damaged, during your ceremony or reception. Examples: a guest knocks over a venue’s antique vase, or a supplier trips over a cable you set up.
What it costs
Guest Public Liability is priced on the limit you choose and how many guests you’re inviting. Prices include Insurance Premium Tax.
| Guests | £2m limit | £5m limit |
|---|---|---|
| Up to 99 | £25 | £50 |
| 100 to 199 | £30 | £60 |
| 200 or more | £40 | £70 |
Important things to know
- The guest limit is one total limit for all your guests combined, not per guest.
- Claims between guests aren’t covered, and neither is injury to your own family, guests or employees.
- The total we’ll pay for all liability claims under Personal and Public Liability combined is £2m, or £5m if you buy the £5m option.
- There’s no cover for liability arising from animals, fireworks and pyrotechnics, vehicles, drones, bouncy castles or other inflatables, or damage to flooring caused by footwear.
- Deliberate, reckless or criminal acts aren’t covered.
- Extra liability you accept under a venue or hire contract isn’t covered unless we agree it in writing. Check your venue’s terms before you sign.
- Guest Public Liability isn’t available for weddings outside the UK. The Channel Islands and Isle of Man count as the UK.
Does my venue need this?
Ask your venue exactly what they need: who must be covered (you, your guests or both) and what limit. If they want guests covered, add Public Liability. If they ask for £5m, choose the £5m option, which also raises your Personal Liability to £5m. Your policy schedule shows the cover you’ve bought, so you can send it to your venue as proof.
Common questions
Is public liability a legal requirement for a wedding?
No, but many venues make it a condition of booking.
Can I add it later?
Contact customer@wedprotect.com. An additional premium may apply.
Is it available for a wedding abroad?
No. Personal Liability still applies abroad, except in the USA and Canada.
