Wedding Chapel Insurance Coverage Checklist
The coverages a wedding chapel business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for commercial wedding chapels, themed chapels, and drive-up chapels. Priorities reflect typical exposure for this class; confirm against your actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability | Covers guests injured in the chapel, on stairs, and in parking areas. | Core | |
| Commercial Property & Business Income | Covers the chapel, décor, and income lost after a fire or closure. | Core | |
| Professional / Errors & Omissions | Covers claims from invalid ceremonies, missed filings, and lost photos or video. | Core | |
| Commercial Auto (Limousines) | Covers chapel-owned limousines and passenger transport. | Prevalent | |
| Liquor Liability | Needed if you serve or allow alcohol on site. | Prevalent | |
| Media / Intellectual Property Liability | Covers trademark and likeness claims from themed ceremonies; GL often excludes them. | Prevalent | |
| Workers' Compensation | Covers employees, including staff working in parking and transport. | Prevalent | |
| Hired & Non-Owned Auto | Covers staff driving to off-site ceremonies. | Situational | |
| Cyber Liability | Covers online booking, payment, and couples' ID data. | Situational | |
| Aviation / Non-Owned Aircraft Liability | Needed if you book helicopter or drone ceremonies. | Situational |
The coverage gap most often missed
The gap most often missed by wedding chapels is intellectual property. In 2022 the owner of Elvis Presley's rights sent cease-and-desist letters to Las Vegas chapels, and general liability policies frequently exclude trademark and right-of-publicity claims. If you offer themed or impersonator ceremonies, get a written license or ask about media liability coverage, and confirm your E&O covers officiant and filing errors.
Send us the checklist and we'll review your wedding chapel coverage line by line, then market it across multiple carriers that compete for your account.
Related: Wedding Chapel Insurance · Wedding Chapel Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a wedding chapel business need?
The core coverages for a wedding chapel business are General Liability, Commercial Property & Business Income, Professional / Errors & Omissions. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my wedding chapel coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.