Quand devrais-je souscrire mon assurance mariage ?

Dès le versement des premiers acomptes, idéalement 12 à 18 mois avant la cérémonie.

L'assurance couvre-t-elle un changement d'avis ?

Non, le « cold feet » n'est pas couvert. Les causes admissibles sont maladie, décès, accident, catastrophe naturelle ou défaillance fournisseur documentée.

La salle exige une RC de 2 M$ — est-ce normal ?

Oui, c'est la norme au Québec. Plusieurs salles exigent 2 M$ minimum, parfois 5 M$.

Mon DJ fait faillite la veille — suis-je remboursé ?

Avec la garantie défaillance fournisseur, oui — l'assurance rembourse l'acompte et les frais de remplacement.

Les cadeaux en argent reçus sont-ils couverts ?

Oui, jusqu'à la limite du contrat (souvent 1 000 $ à 5 000 $). Avenant possible pour des montants supérieurs.

Mon mariage est hors-province — couvert ?

Un produit spécialisé est requis. Précisez le lieu exact au courtier — certains assureurs québécois offrent une extension internationale.

Un invité se blesse en quittant — qui paie ?

La couverture RC + service d'alcool de votre police vous protège contre les réclamations en lien avec la réception.

Combien de temps pour émettre la police ?

24 à 48 heures après acceptation de la soumission. Émission accélérée disponible pour les mariages imminents.

Wedding insurance in Quebec 2026

Complete coverage for your perfect day — cancellation, liability, theft of gifts and more. Free quote in 2 minutes from AMF-certified partner firms.

Get my free quote

100K+

Protected marriages in QC

$5M

RC available up to

24h

Average Issuance Time

2 min

Online Quote

Why wedding insurance is essential

A wedding is one of the most important investments of your life. According to industry data, an average wedding in Quebec costs between $20,000 and $45,000. Wedding insurance protects this investment against unforeseen events: forced cancellation, damage to the venue, injury to a guest, theft of gifts or rings, failure of a key supplier, extreme weather forcing the postponement. Without insurance, these situations quickly become financial nightmares.

Wedding insurance generally covers two main types of risk: civil liability (damage caused to third parties or to the venue) and cancellation or postponement costs (deposits paid to suppliers). The precise coverages vary depending on the insurer and the contract chosen — our partner firms will help you target the right coverage for your ceremony.

What Wedding Insurance Covers

💍 Cancellation & postponement

Recovery of deposits paid (venue, caterer, photographer, DJ) if you have to cancel or postpone due to illness, death in close family, accident or natural disaster.

🛡️ Civil liability

Protection against bodily injury or property damage to a guest or the reception room. Typical limits of $1 million to $5 million depending on the contract.

💎 Theft & Loss

Cover wedding rings, dress, tuxedo, gifts and envelopes of donations received during the evening. Essential for cash gifts.

📸 Supplier failure

Compensation if the photographer, DJ, florist or caterer defaults or goes bankrupt before the ceremony, leaving you looking for a last-minute replacement.

🌧️ Weather & force majeure

Postponement fees related to a storm, tornado, flood or any other natural disaster that makes it impossible to hold the event on the day.

🍷 Liquor service

Protection if a guest causes an accident after consuming alcohol served at the reception (essential in Quebec where the host’s responsibility is engaged).

How to get your wedding insurance in 4 steps

Request a quote in 2 minutes

Fill out our form with the date, venue, number of guests and total budget of your wedding.

Analysis by an AMF partner firm

An AMF-certified broker from a partner firm will contact you within 24 hours to target the appropriate coverage.

Comparison of several insurers

The broker interviews several insurers and presents you with the best options according to your profile and budget.

Issuance and peace of mind

Once the offer is accepted, your Certificate of Insurance is issued within 24 to 48 hours and sent by email.

💡

Pro Tip

Take out your wedding insurance as soon as the first supplier contracts are signed, ideally 6 to 12 months before the ceremony. You benefit from the “cancellation costs” protection from the first deposit paid. The longer you wait, the greater the risk of uncovered unforeseen events.

Wedding, reception, gala, cocktail party: what is the difference?

Type of event	Recommended coverage	Particularities
Full Wedding	RC + Cancellation + Flight Gifts + Alcohol	Include Rehearsals Brunch Next Day
RC Reception	+ Liquor	Service Check the requirement of the room (often $2 million)
Gala / Profit	liability + directors officers + theft	NPO: coverage of the organization sometimes required
Corporate RC cocktail +	liquor service + rented equipment	Sponsors and VIP guests often ask for certificate

⚠️ Attention: home insurance ≠ wedding insurance

Many brides and grooms mistakenly believe that their home insurance covers the reception. This is not true : the majority of residential contracts exclude large-scale events or cap coverage at an insufficient amount. Check with your broker or purchase a dedicated event policy.

How much does wedding insurance cost in Quebec?

Wedding insurance premiums in Quebec are indicative and vary according to several factors: number of guests, value of supplier contracts, venue of the reception, duration of the event, presence of alcohol and limits of liability chosen. For reference, for a typical wedding of 100 to 150 guests, premiums typically range from $175 to $450. For a luxury wedding with a budget of more than $75,000 or more than 250 guests, budget between $500 and $1,200. The exact premium is determined after the broker analyzes the file.

Coverage available throughout Quebec

Our partner firms cover weddings throughout Quebec, with a reinforced presence in the main cities: Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Lévis. Whether your reception is held at a wine estate in Dunham, a manor house in the Eastern Townships, or a venue in the heart of Old Montreal, the coverage is tailored to your venue.

Frequently asked questions — Wedding insurance

When should I take out my wedding insurance?

As soon as you pay your first deposits (often 12 to 18 months before the date), ideally before the contract with the venue is signed. The earlier you take out, the longer the cancellation protection covers.

Does the insurance cover if I simply change my mind?

No. Cancellation for a change of mind (“cold feet”) is not a covered cause. Eligible reasons are typically: critical illness, death, accident, natural disaster, documented failure of a key supplier. Refer to the exact wording of the contract.

The room requires a $2 million certificate — is that normal?

Yes, it has become the norm in Quebec. Many venues, hotels and estates require proof of civil liability insurance of at least $2 million, sometimes $5 million. Specify this to the broker so that they can set the appropriate limit.

My DJ goes bankrupt the day before — do I get my money back?

If you have “supplier default” coverage in your contract, yes — the insurance reimburses the lost deposit and covers the reasonable costs of hiring a last-minute replacement. Keep your original invoices and contracts.

Are cash gifts received at the reception covered?

Most contracts cover donation envelopes up to a specific limit (often $1,000 to $5,000). For larger amounts, ask for an endorsement or plan to return the money to safety immediately after the ceremony.

My wedding is outside Quebec — covered?

For an out-of-province or out-of-country wedding (destination wedding), a specialized product is required. Specify the exact location when applying — some Quebec insurers offer an international extension, others do not.

What happens if a guest is injured while leaving the reception?

The liability and “liquor service” coverage in your policy protects against claims related to a reception incident. In Quebec, a host who serves alcohol can be held civilly liable — hence the importance of this protection.

How long does the police show take?

On average 24 to 48 hours after acceptance of the submission. For an impending wedding (less than 14 days), request an accelerated issuance — this is usually possible from partner firms.