What happens if one of my guests is injured at the reception and I am held responsible? What happens if one of my guests is injured at the reception and I am held responsible? Dream Wedding Insurance B What happens if one of my guests is injured at the reception and I am held responsible? The policy provides personal liability cover. Please refer to the policy wording for exclusions and limitations. Please note: Section Nine – Personal Liability, is only available for weddings held in Australia. 0 Likes