Certificate of Insurance vs. Wedding Insurance: What’s the Difference?

These two get mixed up all the time — and understanding the difference can save you serious stress (and money).

Let’s simplify it.

Certificate of Insurance (COI)

A Certificate of Insurance is proof that someone already has an active insurance policy — and that The Veil Wedding Loft is listed as an Additional Insured on that policy.

This can come from:

• Your event insurance policy

• Or your vendor’s business insurance (DJ, caterer, bartender, florist, photo booth, etc.)

What a COI does:

• Protects against liability claims (injuries, property damage, alcohol-related incidents)

• Covers accidents that happen during setup, the event, or breakdown

• Transfers financial responsibility to the insurance company instead of you

What a COI does NOT do:

• It does not reimburse you if you cancel your wedding

• It does not cover lost deposits

• It does not protect your dress, rings, or personal items

Think of a COI as protection for what happens at the event.

Wedding Insurance

Wedding insurance is a policy you purchase to protect your investment in the wedding itself.

It usually includes two main types of coverage:

1. Cancellation or Postponement Coverage

• Covers lost deposits if your wedding is canceled or delayed

• May apply to illness, extreme weather, military deployment, or venue issues

2. Personal Property Coverage

• Covers items like attire, rings, gifts, décor, and sometimes photography mishaps

What wedding insurance does NOT usually cover:

• Injuries to guests

• Damage to the venue

• Vendor-caused accidents

Think of wedding insurance as protection for what happens to your wedding.

Do You Need Both - Certificate of Insurance and Wedding Insurance?

Short answer: We recommend it.

Here’s why couples at The Veil Wedding Loft often choose both:

• The COI protects you from being financially responsible if something happens during your event

• Wedding insurance protects your money if something happens before your event

Together, the Certificate of Insurance and Wedding Insurance create full-spectrum protection — from booking day to last dance.

Why We Care About This at The Veil Wedding Loft

We’ve seen how quickly a joyful moment can turn stressful when couples aren’t protected.

Our role isn’t just to provide a stunning historic wedding loft in Redlands and the Inland Empire — it’s to guide you through the behind-the-scenes decisions that make your day truly secure.

This is part of what makes us a full-service, problem-solving wedding venue, not just a beautiful space.

Ready to Tour The Veil Wedding Loft?

If you’re looking for a historic, elevated wedding loft in Southern California that combines beauty, structure, and true behind-the-scenes support, we’d love to show you around.

👉 Schedule your private tour today here and see how we make planning feel effortless — not overwhelming.