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By Nina Callaway, About.com Guide What is Wedding Insurance? Wedding Insurance is exactly what it sounds like ± an insurance policy that covers your wedding and financially protects you against misfortune and mishap. Wedding Insurance policies are relatively inexpensive ± a basic policy costs between $125 to $500 ± and can help you have peace of mind. Is Wedding Insurance Right For You? The decision to purchase Wedding Insurance is a highly personal one ± a financial decision that is an additional cost for your wedding budget, but will protect you from unforeseen disasters and mishaps. As the average cost of weddings rises, now $27,000 in the US, wedding insurance becomes more of a necessity. After all, you wouldn¶t buy a new car that cost that much without insuring it against damage. If you are having a less expensive affair, or are a couple that likes to live with risk, perhaps you¶ll decide to forgo the insurance. Keep in mind that you can get a less expensive policy that will only cover either a more intimate affair or a specific risky part (such as if you¶re worried about your luggage getting lost en route to your destination wedding; wedding insurance could cover the cost of quickly replacing your gown and tuxedo.) What Wedding Insurance Policies Typically Cover (Be sure to read the fine print of your policy to make sure they cover these things!) Weather If your celebration has to be postponed because of rain or other bad weather, your policy should cover the cost of rescheduling. Illness or Injury If essential people get sick or injured and cause the wedding to be postponed, the expenses involved with that postponement are covered. A Missing Officiant If your minister, justice of the peace, rabbi or other celebrant should be a no-show, you¶ll recoup some of your costs. Missing vendors Similarly, if your caterer, florist, photographer, or other key vendor is missing in action, you¶ll recover some costs and possibly the costs of rescheduling the whole thing. Your Location If your ceremony and reception sites don¶t already carry their own insurance, your wedding insurance policy can cover damage to the site, fire, electrical or mechanical problems, or going out of business that causes you to lose money or have to reschedule.
Additional Riders You Can Purchase Military Service Should the bride or groom be in the military or active reserves, you¶ll want to be insured in case they are called to duty suddenly and everything has to be postponed. Your Gowns and Tuxedos including stores going out of business or damage. Gifts If your homeowners or renters insurance doesn¶t cover them, you may want to protect against theft or damage of gifts. Liability Most sites carry liability insurance, but if you¶re having your wedding at home, you¶ll want to be protected in case a guest gets hurt or hurts someone else. Honeymoon Protect yourself against having to cancel your trip due to illness, bad weather or other unfortunate circumstances. What Isn¶t Covered Cancelling due to cold feet Cancelling because of something you already knew when you took out the policy
Does Your Wedding Plan Include Insurance?
Why Wedding Insurance Should be a Big Part of Your Wedding Planning By
Bobbie Sage, About.com Guide
Wedding insurance is still a new concept for most but is being added to more wedding plans as the expense of weddings is rising. It is not uncommon to hear about couples doing wedding planning for 20 and 30 thousand dollar weddings. Unfortunately, not enough couples are considering wedding insurance when doing their wedding planning. Wedding insurance is inexpensive and considering what you are covering it is worth the cost. The cost of a policy varies depending on how much insurance you purchase but typically ranges between $200-$600. That is a great deal considering how much worry and stress you will be able to rid yourself of during and after your wedding planning. As you put together your wedding plan, have you been worrying about the weather, loosing the rings, or someone falling and getting hurt? With wedding insurance you can put your mind at ease knowing that these and other concerns will be covered. Coverages vary depending on the policy you choose but typical coverages include: 1. Extreme weather 2. Illnesses or Death of Bride or Groom 3. Illness or Death of Immediate Family Member
4. Unexpected Military Deployment of Bride or Groom 5. Unknown Extra Expenses 6. Wedding Gifts 7. Wedding Photos 8. Damaged or Lost Wedding Attire 9. Lost or Damaged Wedding Rings 10. No-Show Vendor Deposits 11. Cancelation Counseling 12. Alcohol Related Accidents 13. Vendor Damage 14. Bodily Injury Accidents 15. Wedding Site Property Damage When looking for a wedding insurance policy check with your current insurance agent first. They would most likely call it a special event insurance policy. If you can't find what you need from your local insurance agent you can search online for wedding insurance and review and purchase a policy online. When shopping for wedding insurance make sure you get liability insurance included which is what covers your accidents and damages. Also, check to see if any of your current insurance policies, such as homeowners, personal property, or umbrella insurance, will give you some liability or property coverages for your wedding.
Wedding insurance smoothes the path to the altar
By Insure.com Last updated May 7, 2010
Severe weather, no-show caterers, lost deposits, damaged bridal gowns, lost wedding rings and stolen gifts are just some of the things that can go wrong on a wedding day. While you may not want to even think about potential wedding-day disasters, you can buy insurance for them.
According to The Knot, one of the Internet's top wedding-planning Web sites, the average wedding today costs $27,000 and more in large urban areas. You may be plunking down 20 percent or more in nonrefundable deposits to all your wedding vendors.
Wedding insurance can cover the biggest disaster that could befall any wedding day ² a change of heart by the bride or groom. including liability for you at the wedding venue. Some policies have deductibles you must pay before insurance kicks in. depending on the amount of coverage you buy. the cost to retake photos if they are ruined and damage to gifts. Here are the three major wedding insurance providers and their plans.Insurance is meant to protect against life's disasters and weddings are no exception. 1. wedding insurance can cost between $125 to $400. groom or parents from attending. This coverage must be purchased by the person who finances the wedding (not the bride or groom) and pays to recover wedding expenses if the bride or groom gets cold feet during the planning stage (up to certain . Or. Fireman's Fund Wedding insurance Fireman's Fund Insurance Co. offers Wedding insurance. but to be covered for things like severe weather or damaged bridal gowns. you'll need to purchase wedding insurance. In some states. According to the Insurance Information Institute (III). Your home insurance may offer some limited liability coverage. weather cancellations. you can also buy extra coverage for heartbreak. This policy does not have a deductible. Coverage generally provides reimbursement for "nonrecoverable expenses" such as lost deposits. the policy pays for your wedding party to reconvene for new pictures. 2. It also covers lost or damaged bridal gowns and groom tuxedos. noshow vendors. jewelry and wedding attire. For an additional $95. in the case of ruined photos. Travelers Wedding Protector Plan Travelers Insurance offers a Wedding Protector Plan that covers expenses associated with postponing a wedding due to severe weather (like a hurricane). A typical wedding insurance policy from Travelers costs around $160. It also covers postponement expenses if the groom or bride has to withdraw for military leave. lost or damaged wedding bands and a sudden illness or death that prevents the bride. which covers similar calamities. mishaps with event photography.
There's generally a $1. You can also purchase coverage for expenses associated with counseling that may be needed to deal with the emotional distress of a canceled event. Find out the How much the policy will liability limit offered by your current home insurance cost and how much and/or umbrella policy. you want to understand policies you may already what you are buying. Home insurance provides some coverage Your home insurance policy offers you some liability protection when you're away from home. vendors who don't show up or go bankrupt. Common wedding insurance confusions .) the hall. For example. if one of your guests smashes a light fixture at the wedding hall and the hall owner holds you Do you have similar responsible. approved military leave or events that prevent important family members from attending. For example.limits). 3. The cancellation coverage pays for problems such as severe weather. smoke and explosion. your home insurance will not pay. car or other insurance As with any insurance policy. coverage elsewhere through credit cards. you may wrongly have? assume that your coverage kicks in if it rains on your Insurance outdoor wedding. warrantees or home. damage to wedding attire or rings. you likely already have coverage for "necessary medical expenses" at "a premises occasionally rented to an insured for other than business use (such as banquet facilities for a wedding reception). WedSafe WedSafe Wedding Insurance is underwritten by Markel American Insurance Co. You can buy one or both of WedSafe's plans: Wedding Cancellation Insurance and Wedding Liability Insurance.000 deductible for property-damage claims. In other by the policy? words." Questions to ask before you buy a wedding insurance policy Is the insurance company licensed to do business in your Your wedding hall may have required you to sign a state? (Find out from your "hold harmless" agreement stating that if a guest is state department of injured because of a condition of the premises and sues insurance. reimbursement you can What if there's property damage at the wedding hall? expect? Your home insurance liability coverage extends only to What is and is not covered damage done by fire. the liability is transferred to you. You'd need a weather event on the level of a hurricane or blizzard in order to make a claim. WedSafe's Wedding Liability Insurance pays if you're held liable for injuries or property damage at the wedding and it's available with a "host liquor liability" for alcohol-related accidents. But wedding policies are meant to Source: cover "severe weather" that prevents most guests or Information Institute the bride or groom from attending.
2009 Victoria Anisman-Reiner Wedding Insurance Prevents Unexpected Costs . weather crises that might prevent the reception from happening. however. ranging from $125 to about $600 depending on just how much coverage is needed. Wedding insurance is relatively inexpensive. lavish wedding to consider purchasing wedding insurance to protect them against things that can go wrong on the big day. Check your policy for specifics. The average wedding in the U. while other couples have high risk tolerance and are willing to take whatever comes without insurance.Another common wedding-day problem. Couples planning a small. Most people wouldn't drive a car without insurance. Big events like weddings don't come cheap. or sudden military deployment forcing a change of the wedding date.000 ± as much as a new car. Who Needs Wedding Insurance? Wedding insurance is completely optional. For many couples.S. Morguefile It may seem like folly to expect accidents on your wedding day. many brides and grooms don't get any insurance to guard against problems on the big day. Read on Wedding Insurance Covers Major Investment . what is Wedding Insurance? Insure to Protect Against Liability & Accidents at Wedding Reception Jun 3. illness. It covers unexpected illness but won't cover illness from pre-existing conditions. is addressed by wedding insurance to a certain extent. inexpensive wedding don't necessarily benefit from insurance. insurance is a valuable part of the wedding planning process that enables them to invest money well in advance of the wedding without worrying about vendors going out of business. now costs between $26-27. In fact. photographer no-shows. and it's a good idea for couples planning a big. but planning ahead and protecting the big event with wedding insurance can be a smart move.Mensatic.
Injury or Death ± Covers the cost of rescheduling if the bride. the groom. or a family member is injured or falls ill shortly before the wedding day Location ± If the Church or reception hall doesn't have its own insurance. electrical troubles. insurance covers the cost of replacing items already paid for Some wedding insurance policies will also include: Military Deployment ± Transportation ± Covers the cost of rescheduling if the bride or groom is deployed unexpectedly before the wedding takes place If transportation shutdowns prevent the bride. property damage during the reception. Rings.Wedding Insurance Covers Travel. or the location going out of business prior to the event Vendors ± If the businesses providing flowers. flooding. some insurance policies will cover expenses to bring the wedding party back together so new photos can be taken Travel Insurance ± for the honeymoon . the location. the plan can cover damages due to fire. and other weather emergencies Illness. and how much coverage is needed. the wedding cake or anything else fold before the wedding. server. The following are often part a wedding insurance plan: Weather ± Insurance pays for the cost of rescheduling the wedding due to tornado. or location staff member is injured during Damage or Loss of Wedding Ring ± Covers the cost of replacement if is damaged before or on the wedding day a wedding ring Damage or Theft of Gifts ± In case the gift table crashes or presents are stolen Ruined Photos ± If a photographer's film or memory cards are defective. or immediate family members from arriving at the wedding on time Loss of Luggage ± Covers the cost of replacements if the wedding gown and the groom's tux go missing en route to a destination wedding Damage to Dress ± Pays for repairs to accidental damage to the wedding gown Accidents and Liability ± If a the wedding or reception guest. food. groom. hurricane. photography. Damage Wedding Insurance ± Wise or Wasteful? What Can Wedding Insurance Protect Against? Wedding insurance plans vary widely depending on the insurance broker.
They are also expensive and a life investment that needs protecting. 2009 Tricia Spencer Wedding Insurance Works When a Tornado Roars Above . Cancellation and Postponement Insurance Review Jul 15. Weddings are beautiful. not all brides and grooms will enjoy a problem-free event. Things can go very wrong.Zastavkin While all wedding couples dream of the perfect wedding experience. wedding insurance won't cover expenses if the bride or groom gets cold feet and the wedding is canceled. . who was speaking. And before anything is confirmed or deposits paid. all of that information should be captured in a document signed by both parties. ³But they told me«.suite101.´ Time after time a broken-hearted bride can be heard saying. One mantra every bride and groom should adopt is ³get it in writing. The Best Wedding Insurance The most effective wedding insurance is careful planning. Every aspect of the wedding event should create a paper trail. Committing the context of that conversation to paper is what counts. All conversations should be converted to notes that include the date. time of conversation. A wedding is one of the most magnificent moments in every person¶s life. and the key elements of what was discussed.com/content/what-is-wedding-insurancea122461#ixzz16s0ZZunc Wedding Insurance ± Wise or Wasteful? Wedding Liability. spiritual and memorable.Although insurance can be purchased to cover just about everything else. Read more at Suite101: What is Wedding Insurance?: Insure to Protect Against Liability & Accidents at Wedding Reception http://www.´ Telling is only the beginning.
com/content/wedding-insurance-wise-orwasteful-a132297#ixzz16s0qX2Wi Wedding Insurance Companies Offer Peace of Mind Even if the wedding couple has diligently planned and meticulously detailed their wedding day event. The rings are lost. Someone gets hurt at the event. The wedding favors don¶t arrive. The wedding presents are stolen. losses from such adverse events are covered. Read on Wedding Chair Covers. The musicians fail to show.Read more at Suite101: Wedding Insurance ± Wise or Wasteful?: Wedding Liability. The flowers wilt in a broken cooler. The tuxedos are double rented. The wedding or reception venue goes out of business. The honeymoon accommodations are lost. circumstances beyond their control can cause wedding day chaos. The photographer¶s camera is destroyed with the wedding photos inside. With the two types of wedding insurance now offered by wedding insurance companies. Cancellation and Postponement Insurance Review http://www. Several wedding insurance companies now provide policies to shelter the bride and groom from financial loss in the event of an adverse event. The store or seamstress loses the bridal gown. A family emergency requires wedding day cancellation or postponement. What can go wrong? Just a few of the unpleasant possibilities include: The wedding cake is dropped. The limousine has a flat tire or breaks down.suite101. The caterers forget to order the champagne. Chair Linens and Unique Seat Decorations .
liability issues are real. Damage Wedding Liability Insurance Today is far different than the wedding days of old when churches and reception halls were simply available with no special concerns about using them. such as: extreme weather or other disaster unexpected military deployment illness a death in the family In the event of a cancellation or postponement. Cost is based on the total wedding budget expense. Wedding Cancellation and Postponement Insurance There can be many valid reasons for a wedding to be cancelled or postponed. Rings. No insurance company will cover a simple change of mind. cause distress. From damages to floors and equipment to parking-related incidents to personal injuries resulting from innocent actions like jostling for the tossed bouquet. and unnecessary. Even if the wedding does take place. Alcohol hosting should be covered as well. While some may eye this insurance as an extra. wedding cost. Combining Wedding Insurance Policies and Choosing an Insurer Most insurers make combination offers that provide all types of coverage in one policy. like a lost ring or a damaged gown. A wedding that is expected to cost . most wedding venues require the wedding couple to obtain a liability insurance policy that will protect not only the bride and groom. Today. cancellation and postponement insurance could also cover losses occurred when issues.Wedding Insurance Covers Major Investment Wedding Insurance Covers Travel. but the reception or ceremony site as well. A liability policy soothes vital wedding day worries. the truth is that experiencing a liability claim is far more common than one may think. The one important issue not covered by wedding such insurance is an old-fashioned change of heart. the loss from non-refundable deposits can be staggering. Wedding cancellation or postponement insurance protects deposits and can even cover non-recoverable expenses equal to the total expense of the wedding. From flowers to tuxedos and catering to travel arrangements. Liability insurance protects against damages to property or injuries to attendees. wedding cancellation and postponement insurance can mitigate financial damages that result from failures on the part of wedding day vendors.
Requiring references and licensing information will help to protect a wedding couple from throwing good money after bad. In the end.000 would require a policy that would cost about $500 to cover all insurance needs. the decision belongs to the bride and groom. but it is wise. Building the cost of the policy into the wedding budget may be one of the smartest moves a couple can make to insure that perfect wedding of their dreams. but wedding day financial stakes are high. but researching the insurer is necessary. Is Wedding Insurance Really Necessary and Cost Effective? Liability insurance is necessary. Wedding Insurance Covers Major Investment Catastrophe Coverage for Wedding Day Disasters Jan 31. Policy comparison requires diligent research. Cancellation and postponement insurance may be unnecessary. and the losses from any number of adverse events can far outweigh the cost of wedding insurance. 2010 Donna Hinton Wedding Insurance . Ordering a wedding insurance policy via the internet is quick and easy. Insurance coverage and costs will vary from state to state and be relative to what time of year the wedding will take place. Only thorough investigation will provide the true peace of mind wedding insurance is meant to bring. It is imperative that specifics are given when requesting a wedding insurance quote. An impressive website does not equate to a viable company.Lars christenson . Comparing apples to apples and oranges to oranges will highlight the best policy for a wedding couple¶s budget and event requirements.about $30.Peace of Mind . Wedding insurance cost is minimal compared to the protections offered.
One comprehensive plan even offers compensation for expenses if the groom changes his mind.Wedding insurance provides protection from loss when events such as storms. Would-be brides can insure against nearly everything except a broken heart. wedding insurance plans are geared to cover replacement costs. stolen or go amiss monetary reimbursement might allow for repurchasing those items or rescheduling the event. from travel agents to florists.com/content/wedding-insurance-covers-majorinvestment-a196018#ixzz16s1N01gP Large or Small. wedding insurance makes it possible to recoup losses up to the insured amount. Read more at Suite101: Wedding Insurance Covers Major Investment: Catastrophe Coverage for Wedding Day Disasters http://www. Travel insurance covers delayed or canceled flights and weather adverse enough to prevent automobile travel. The prudent bride on a budget who would be unable to replace a lost or stolen wedding gown might insure only her gown. caterers and photographers.suite101. If covered elements of the wedding are damaged. She might insure that the flowers arrive as . Insuring availability of travel for crucial members of the wedding party is available if purchased 14 days in advance. She might insure only the catering in case the caterer she has already paid cancels due to illness or accident. Wedding insurance isn¶t just for lavish. they offer more opportunities for miscommunication and human errors. Recouping loses through wedding insurance should a hurricane hit the brides chosen South Seas site on the eve of her big event or the caterer declares bankruptcy the day before her wedding is becoming common among today¶s financially savvy brides. If the wedding is negatively impacted or canceled because of any insured disaster. insuring the various components of the most important event in her life makes sense. Wedding Coverage: An Important Element of Planning Just as a bride-to-be carries auto insurance and takes part in the health insurance plan at work. distant or large weddings. Possibilities for wedding day disasters multiply when nuptials are to be performed across the country or in a foreign land making travel and weather insurance common for such weddings. a burned reception hall or stolen gowns turn a wedding day into a financial disaster. insurance is almost a must. Wedding Insurance is a Smart Decision With all the variables inherent in a large wedding. Today¶s bride can insure almost every aspect of her wedding against loss or damage. Not unlike automobile insurance. Since larger weddings involve numerous people. Coverage can also be bought to insure against the absence of a member of the wedding party due to injury or illness.
Get quotes from at least 3 providers of wedding insurance. A potluck reception needs no caterers insurance. Rings. Insure only those pertinent to the event. Rings. Plan for the best. couple or whomever is paying for the wedding can select from many separate endorsements to gain the coverage they desire. but insure to cover the worst possibilities.suite101. Read more at Suite101: Wedding Insurance Covers Major Investment: Catastrophe Coverage for Wedding Day Disasters http://www. groom and policyholder. The bride having a back yard wedding followed by a home reception will not need to insure the availability of a church or public hall. Damage Household Insurance for Australian Home Owners What is Wedding Insurance? Wedding Insurance Guidelines and Tips bullets Wedding insurance can only be obtained if the bride. She might however. or endorsements cover specific possibilities. Resist the Temptation to Over-Insure Separate riders.ordered and on time or that the scheduled photographer shows up and the wedding photos are as promised. grooms or others financing the wedding. if other than the bride or groom. Groom. Damage .com/content/wedding-insurance-covers-majorinvestment-a196018#ixzz16s1XHKOc Wedding Insurance Covers Travel. The most common items covered by wedding insurance are the flowers. The bride. Protecting from loss in case the couple¶s dream day turns into a costly disaster due to unforeseen events such as storms or stolen gown¶s makes sense to many brides. followed closely by loss of either the brides or grooms ring and loss or damage to the wedding gown or bridesmaid¶s dresses. food and photography. are all over 18 years of age Checklist projected wedding expenses and possibilities for disaster to determine which facets to insure. wish to purchase insurance covering the availability of travel for her wedding party and a special rider should a guest become injured or damage the premises during the event. Read on Wedding Insurance Covers Travel.
morguefile. thanks in no small part to hurricane Katrina ripping apart the Gulf Coast ± and destroying. hotels closing due to unforeseen circumstances.. yes as a matter of fact. call DJ. wedding planners in some areas actually require their clients to take out coverage. churches. Wedding insurance may sound odd. check. But Globe and Mail reports that In North America.com Wedding insurance is a growing industry in North America where couples invest significant money to protect their perfect wedding day. check. of course. among other things. many people`s wedding plans. and lovely music or poetry.. 2009 Donna Wallace Wedding insurance -www.000 engaged couples.. The Globe reports that the idea has become popular in the US. That can include protecting material goods like wedding dresses or rings from loss or damage. Insurance rates begin at about $100 and can go up to over $1000 dollars Read on What is Wedding & Civil Partnership Insurance .. according to a 2009 Wedding Bells Magazine survey of over 1. Like a hurricane? Well.. buy wedding insurance. And it can also protect against cancellation ± halls.Liability Insurance Helps Guarantee Success of Your Wedding Day Dec 17.000. check! What is Wedding Insurance and How Much Does it Cost At its most basic. The Traditionally.. But it doesn`t sound crazy when you consider that the the average cost of a Canadian wedding is just shy of $20. Since Katrina. wedding planning involved lovely and delicious things like selecting elegant flowers the most beautiful dress. wedding insurance is a guarantee against the investments made to pull together a special event.. wedding liability insurance is becoming so commonplace ± it's often delegated to a member of the bridal party: order flowers.
not really. Can We Insure our Marriage? The short answer is no. If your honeymoon is a week after the wedding. And if you are hosting your own wedding. flowers.Wedding Insurance Covers Major Investment What is Wedding Insurance? What Does Wedding Insurance Cover? It depends on the company.. But at least one American company will insure against cold feet. honeymoon ask about limitations. is it still covered? Remember that alcohol liability insurance is usually a separate package ± and is something most event venues will have included in their rental fees. For an extra $25. Or.. The Calgary-based Weddinguard company website says its packages protect against "many of those things that can go wrong with your wedding plans. Americans can purchase a 'change of heart' clause from the Fireman's Fund Insurance Co. It will reimburse whoever paid for the wedding should either the bride or groom back out. including cancellation from most causes beyond your control. Best to ask. . ask what is not covered ask about specific items which may be important to you: wedding cake." Basic Wedding Day Insurance Covers Things Like: a wedding dress ruined before the event lost rings a church or hall unable to host the event at the last minute loss or damage to wedding presents immediately after the event More Expansive Coverage Includes: unexpected overseas posting of bride or groom unforeseen unemployment inclement weather closing airports and preventing guests from arriving counselling. of course ± not to mention the package chosen and the premiums paid. be sure to inquire about local laws concerning alcohol liability insurance requirements. if a ruined wedding day causes emotional distress to bride or groom Choosing the Best Wedding Insurance To make sure you get the right package. ask very specific questions about the coverage you`re buying.
We had our wedding reception poolside at my parents¶ house with homemade centerpieces. 2010 01:42 am0 Comments When my husband and I got married. If your hand-picked gourmet caterer gets a nasty notice from the health department within days of your reception. Contact the author to obtain permission for republication. since we had a guest list of less than forty and a microscopic budget. We were more concerned with saving money than blowing it on a knock-down.Copyright Donna Wallace. and we danced until midnight instead of eleven because they had paid for the venue to stay open for an extra hour. Wedding insurance wouldn¶t have been a big deal for hubby and myself.com/content/wedding-insurance-helps-protectspecial-day-a180921#ixzz16s1xA4Kx Wedding Insurance?Posted in by Stephanie August 17th. We had a friend take pictures.suite101. Rings. the insurer will pay to get you a speedy replacement chef to whip up your . your insurance plan can cover you for setting a replacement appointment with the pastor. it might have definitely been a good idea in her case. She had well over one hundred guests and six bridesmaids. Weddings in this day and age can be divided into two distinct categories ± the drive-through µI do¶s¶ in Vegas / the backyard hoedowns (like mine). We were (and still are. I bought my dress online for one hundred fifty bucks. Our thrifty nuptials cost a fraction of the average wedding in America today. and it was the biggest splurge of the whole shebang. For the first category. That isn¶t and has never been our style. For the latter. Read more at Suite101: Wedding Insurance Covers Travel. Wedding insurance protects you on your big day against a variety of possible marital mishaps. There was an open bar. drag-out catered affair for one hundred fifty of our ³closest´ friends. we had our eyes on all things cheap. Damage: Liability Insurance Helps Guarantee Success of Your Wedding Day http://www. and I had barely just graduated college. we have faith and crossed fingers. We ordered our flowers from a wholesaler and put bouquets together ourselves. however. and then the massive June-fantasy ceremonies like you see in bridal magazines. and a few rented chafing dishes of delicious Italian food that we¶d ordered and picked up from our local pizza place. I guess) pretty young. If getting to the church on time doesn¶t happen. got married that same year surrounded by professionally-arranged red roses. we have wedding insurance. which is running around twenty-eight thousand dollars. and walked down the aisle to the airy sounds of a live string quartet. a CD changer full of our own music. One of my best high school friends. I did my own hair. wore a designer dress of vintage lace and pearls. Her wedding cost over forty thousand dollars ± I asked! ± and while I don¶t know if she had wedding insurance.
Conde Nast.any one of your . Another facet of wedding insurance that might be purchased is coverage for the health and wellbeing of all the main players in your event ± think mom. invites and RSVP cards. dad. Likewise. considering how much crap the wedding industry tries to tell brides and grooms that they ³need. with more and more companies making the leap every year. yourself or your soon-to-be spouse. Some places include this kind of insurance in the rental cost. while others will require you to purchase your own insurance. Wedding insurance covers a variety of incidents that could mar your big day. and a vintage piece of jewelry to pin to the bridal bouquet. based upon the cost of your wedding and how much coverage you elect to purchase. If your junior bridesmaid trips and breaks an ankle on her high heels. your insurance will pick up the cost of any ³non-refundable´ deposits on service providers and cover the price tag for switching your wedding date. or a member of the wedding party. but the costs will be covered. If you are having a big white wedding. You might have to postpone your wedding until the venue of choice can be repaired. this may amount to little more than a drop in your bucket. If your honey gets a wicked case of food poisoning from the buffet at the rehearsal dinner. Don¶t even get me started on the cost of an exotic honeymoon at an all-inclusive resort or how much it costs to rent the darned fancy chair covers and coordinating tie-backs! A typical wedding insurance premium ranges from ninety-five to over one thousand dollars. but it¶s still up there with the comparable price of a new car.´ ranging from professionally embossed stationary (save-the-date cards. publisher of Brides magazine. Your wedding venue itself will also be protected under your insurance policy. you would be covered much in the same way as traditional liability insurance under a homeowner¶s policy.guests¶ choice of seared Chilean sea bass or filet mignon with a mushroom demi glaze. The first of those is liability. or you might have to wait for a slot to open up on a Saturday evening in your second choice locale. It¶s a reflection of the rising cost of getting hitched these days. if ±heaven forbid. designer silk lingerie for under the bride¶s gown to an aisle runner dyed to match the maid of honor¶s gown. Some wedding policies include insurance against death or illness. say experts. or if a sodden guest has one too many Cape Cods and hits the floor when reaching for an imaginary canapé. Whether you need this specific coverage for your event depends on the venue at which you are getting married and/or having your reception. because this is serious. and thank you notes) to out-of-season hothouse blooms in the attendant bouquets. table cards. says that nearly one-third of all American lovebirds pay for their own wedding. Many conventional insurers have added wedding insurance polices to their standard menu. The price of the average wedding has dipped somewhat since the halcyon days before the recession hit. It¶s not hard to do. and thirty-six percent will exceed their budget. What if your childhood church where you¶ve dreamed since practically birth of walking down the aisle should happen to burn down the night before your ceremony? Or if a hurricane/earthquake/tornado should happen to trash your reception venue? Acts of God that destroy your reception and/or ceremony are covered by insurance.
and is also not under their purview since a change of heart is fully preventable and any form of insurance is designed to protect against circumstances beyond your control. that there are not exceptions to what wedding insurance will cover.parents should pass away in the days before your union. thrifty bride was even guilty of that one!) that run four to five hundred dollars a pop. What if your wedding photographer¶s camera gets dunked in a fountain (possibly by a rowdy groomsman). If you are having a big and spendy ceremony. your insurance will pay for a replacement. but a bride with wedding insurance could have been all set to purchase a replacement. If his would-be son-in-law jilts his . Let¶s say that the father of the bride has fulfilled his traditional duty and forked up the cost for a lavish reception. Even your wedding dress could be insured with one of these policies! One of the most common claims against wedding insurance policies is on bridal gowns that were lost when the doors of the boutique were barred due to a sudden bankruptcy ± especially in these turbulent economic times. I humbly submit that you might not be able to afford to go WITHOUT insurance! That doesn¶t mean. Your insurance will also protect your wedding gifts. or if the pictures all come out blurry? Your insurance will pay for the cost of hiring someone new and restaging the pictures. your insurer will pick up the tab. In short. If a shady reception venue employee were to make off with your engraved sterling silver picture frames or Tiffany cobalt vase that you received as a gift. What if the bakers of your wedding cake disappear with your deposit? Your insurance will pay for a stat replacement. My friend had to settle for a borrowed gown and take the deadbeat dressmaker to court afterwards. damages to the groomsmen¶s rented tuxedos are also covered under this type of plan: a very good thing for the moment when your new husband¶s frat brothers decide to jump in the fountain outside the reception hall. One of my friends ± not the one with the roses and the string quartet ± was hysterically crying less than three days before her happy day when she showed up for the final fitting of her very expensive designer wedding gown at the bridal shop she¶d selected. if you are paying a lot for your wedding. Your musicians get ill? Book someone new. I should add that certain wedding insurance companies have started to amend this policy somewhat. Likewise. It¶s not at all unusual for well-off brides to register for china that costs two hundred dollars a place setting. While these policies are meant to give brides and grooms total piece of mind as they approach the happiest day of their lives. this can really mean something. Insurers insist that this exception is designed to weed out cases of fraud. the insurer would eat the cost of postponing everything until your head was clear and you could move forward. or for artisan stand mixers (this DIY. that doesn¶t mean that your insurer will blindly pay any claim that you submit. and found that the owner had skipped town when the entire chain went broke. so that completely innocent parties with a financial stake in the wedding can be reimbursed for losses suffered as the result of a runaway bride or groom. Now. One big and notable example of a situation that would NOT be covered by wedding insurance? Runaway brides or grooms who let cold feet get the best of them. Other types of venders are also covered under wedding insurance. however.
Don¶t put any extra down. How to Find Cheap Wedding Insurance for Overseas Weddings(banktime. Save all your receipts so that you have potential future documentation if need be. The Better Business Bureau¶s recommendations include exhaustive preliminary research on your venders before you sign any contracts. Look. you can request money back from your card issuer. That¶s not to say that it¶s impossible that something completely unforeseen will happen to trash your big day. Keeping your deposits as small as possible will minimize your losses in the event that your wedding needs to be called off or postponed. experts say that you should use a credit card whenever possible to pay for aspects of your wedding with the potential to go wrong. You should also make sure that your deposits are no larger than they have to be. but minimizing them is certainly your best bet. There are ways to protect your investment in your wedding that don¶t require the purchase of specialized insurance. Daddy might get reimbursed for his losses under certain plans. their heart attack will probably not be considered a covered event for postponing the wedding. but sometimes it¶s all about minimizing risks. Likewise. If a parent has an outstanding cardiac history. when the whole point of a marriage ceremony is to celebrate your love and union? You should never go into debt for a wedding. even if no one method is all-inclusive or quite as reassuring. A first-time heart attack would be covered. You can¶t avoid some non-refundable deposits. but my advice as to how you can avoid losing money on wedding disasters is to be very careful about how you are spending it in the first place.little girl. That way.) Existing medical conditions are also not covered in policies that protect health and wellbeing. in other words. of course. so that you can dispute the charges for services that sucked or products that didn¶t do their job. How long has your bridal boutique been open? Who are your photographer¶s referrals? Does your catering company have a longstanding bill of health from the health inspector? What¶s the storm history for your wedding date in the town where you¶ll be saying your vows? Knowing all these things can help you make the best decisions possible for making commonsense choices in choosing the people and things that will help your wedding come together.com) . if your food makes people sick or your gown rips as soon as ³Here Comes the Bride´ starts playing. Is it really worth tens of thousands of dollars to have a huge wedding. before you even ask. (The cost of a shotgun and a few bullets is not covered. I know that I¶ve said a lot of silly things about big weddings in this post. and that¶s not just my advice ± that¶s everyone¶s advice.
State Highway 10 was closed. while a large loss or liability claim can bring true financial disaster.87 coverage ± Wedding Event Venue construction prevented wedding from being held. For wedding couples ± or their parents ± who have lovingly planned every detail and budgeted down to the last penny. But when something unexpected does go wrong. cake. Amount Reimbursed Event Postponement Plus: $25.com) What could possibly go wrong at our wedding? Most of the time.000 forced him Cancellation coverage ± Wedding Event Cancellation / Groom experienced chest pains and went to hospital.907. photos all had to be cancelled. Since 1999 WedSafe® has helped protect wedding couples and their families from the financial consequences of mishaps large and small.95 More Examples How much could we lose to a problem vendor? coverage ± Wedding Event .Real Wedding Mishaps(wedsafe. Band.690. Amount Reimbursed throughEvent Cancellation Cancellation / Postponement Plus: $17. Why would we ever cancel or postpone our wedding? Ten inches of rain fell in Virginia. even a relatively small loss can feel devastating. Bridal party members and guests couldn't get to reception site. it can be frightening how quickly the costs can add up. do they? Amount Wedding venue originally expected to open in time for the wedding. Newly diagnosed heart condition to postpone coverage wedding. food.694. flowers. venue refused to refund deposit. ± Wedding Event Reimbursed throughEvent Cancellation Cancellation / Postponement Plus:. most weddings go pretty smoothly. These are just a few examples of real wedding couples who experienced unforeseen problems ± and were able to recover from significant financial losses thanks to their WedSafe insurance policies.45 More Examples Venues never fall through. but construction completion date was pushed back and the wedding had to be rescheduled. $28. Amount Reimbursed throughEvent Cancellation Cancellation / Postponement Plus: $6.
Stains could not be removed. Amount Reimbursed through Cancellation / Postponement Plus: Photographs / Video coverage ± Wedding Event $3. Amount Reimbursed through Cancellation / Postponement Plus: Loss of Deposits coverage ± Wedding Event $2. Amount Reimbursed through Wedding gifts were Wedding Gifts & Wedding Attire coverages ±Wedding Event Cancellation / Postponement Plus: $4.Hair and make-up vendors did not show up ± and neither did the customer's deposits.275 What could happen to our wedding gifts? Airline lost luggage containing wedding gifts and wedding attire.088 Wedding Gifts coverage ± Wedding Event Cancellation Do we really need to be concerned about liability and property damage at our wedding? Bride and groom held responsible for damaged carpet at reception.515 More Examples What could possibly happen to my wedding photos? Photographer's camera bag ± containing several rolls of wedding pictures ± was stolen during the reception. Amount Reimbursed through Cancellation / Postponement Plus: Loss of Deposits coverage ± Wedding Event $1. Claim paid by Property Damage coverage ± Wedding Liability Insurance:$5. Claim paid by Property Damage coverage ± Wedding Liability Insurance: $7.81 Wedding couple held responsible for damaged table top and other property damages.200 from trunk of car.523. Amount Reimbursed through Wedding Attire coverage ± Wedding Event Cancellation / Postponement Plus: $3.320 Customer received message from the photographer saying he was out of business. skirt had to be replaced and dress cleaned and preserved.000 How much can it cost to repair a wedding dress? A guest spilled red wine on the bride's wedding dress. stolen Amount Reimbursed through / Postponement Plus: $1. would not be attending the wedding and would not be refunding the deposit.000 .
When covered.allyrose18 Overseas wedding insurance covers protect a couple's wedding arrangements and reimburse all expenses incurred when and if disaster strikes. Overseas wedding insurance policies are undoubtedly valuable for long distance ceremonies where any sort of disaster can strike. insurance policies for overseas weddings cost around $100 to $150. as with all insurance products.May 23. which will provide a comprehensive list of providers and their rates. Shop around for the wedding insurance that gives you the most complete protection against wedding mishaps and decide how long it might be needed. Wedding insurance companies provide different levels of insurance cover to suite marriage ceremonies of all magnitudes. the need for insurance cover for overseas weddings is on the hike. Wedding insurance comparison services are available from most price comparison sites. The best way to find a good deal is to compare wedding insurance using a comparison website. the insurance company will reimburse any expenses incurred while away. However. wedding insurance covers can be extended to include all party members. Depending on the amount of coverage desired and the wedding destination. Some companies offer to match competitor prices so it might be worthwhile to go for the most stress-free company and ask for the lower price being offered by a somewhat troublesome one. and cover many aspects of your wedding. As more and more couples opt for overseas weddings and civil partnership ceremonies as cheaper alternatives to western ceremonies. before buying insurance for overseas weddings. For an additional charge. it is essential to know exactly what aspect of the wedding the insurance covers and also where to find a good deal. 2010 Clementine Nyembo Insure Rings through Overseas Wedding Insurance . Benefits of Wedding Insurance Covers . although they can be extended for up to two years at an additional cost. Which Wedding Insurance Cover is Best? Most insurance covers for overseas weddings last for one year.
Read more at Suite101: How to Find Cheap Wedding Insurance for Overseas . Read on Wedding Insurance ± Wise or Wasteful? What is Wedding Insurance? Destination Wedding Packages and Costs It is also important to keep in mind that. even though overseas wedding insurance products cover most aspects of a wedding. Including cancellations. which would only become valid 24 hours before the wedding. These include loss or damage to the cake. certain benefits would not begin until nearer to the wedding date. they do not include delays to flights or problems with accommodation. wedding photography and wedding stationery. rings and presents Supplier deposits Wedding cakes Wedding documents/Passport Public liability Personal accident Belongings Professional counselling Legal expenses Wedding flowers Wedding cars and transport. albeit the stress normally associated with the big day. It is therefore recommended to take out travel insurance alongside wedding insurance to be totally covered when getting married abroad. wedding insurance policies can also cover the couple for: Wedding attire. and Delayed Travel Although policies for overseas insurance can be bought at any time before the wedding day. knowing that all arrangements for their big day are protected.The most unique benefit for having wedding day insurance is the peace of mind the couple receives.
000. or other vendors. Just as if you were buying a new car. Understand While wedding insurance will cover many unforeseen circumstances.helium. Situations that will usually not be covered by wedding insurance Change of heart on the part of the bride or the groom. Situations That Will Usually Be Covered By Wedding Insurance Serious illness of the bride or the groom or death of the bride or grooms parents will usually be covered but some policies have an exclusion on pre-existing conditions.000 to $27. the bankruptcy or closing of a catering hall.Weddings http://www. Most insurance companies will give insurance for circumstances they believe are beyond the control of the bride or the groom. florist. They will also usually cover lost or damaged bridal wear. photographer. there are others situations that it will not. Change of mind or heart does not usually fall under this category.com) Top Article All 4 Articles 3of 4 Write now by Article Tools Janeen Elite It is said that the average cost of having a wedding is anywhere between $20. . Covered. or weather related occurrences such as hurricanes that can prevent the venue from having your reception.suite101. Here Clearly are a few things to do What when purchasing Will wedding Be insurance. stolen or damaged wedding gifts. purchasing wedding insurance is a smart decision just in case things don't go as smoothly as you were hoping. It is important to know this in advance before purchasing a wedding insurance policy from any Insurer. wedding gown shop. Another reason for this exclusion on the part of the insurance company is to prevent occurrences of fraud.com/content/how-to-find-cheap-weddinginsurance-for-overseas-weddings-a240231#ixzz16s28ElCM How to get wedding insurance(www.
A variety of different companies offer wedding insurance packages. As some venues make . For example. If you are having a large wedding with lots of guests and have spent a lot of money.There are however a few insurance companies that might be having a change of heart of their own and considering change this policy under special circumstances. There are quite a few insurance companies that offer wedding insurance. it is important to shop around for the best policies and prices. Although you and your spouse may think you have everything under control from your side of things. Ensure That You Protect Yourself To Be Able to Get Back As Much Money As Possible Even if you do purchase wedding insurance. Fireman's Fund is considering changing this policy under certain circumstances. So which is the right deal for you? It depends very much on your circumstances and what you are having at your wedding. you'll want to arrange insurance that covers your costs. As of this writing. from high street retailers like Marks & Spencer to insurers like Royal Liver and brokers including Cornhill and E&L. if you for some unforeseen reason you have to cancel the reception at the last minute you will want to have insurance that reimburses you for any charges you are liable to pay as a result. How to get wedding insurance Top Article All 4 Articles 2of 4 Write now by Article Tools Onimim Johnarry You never know what could go wrong . so too does the need to have some form of wedding insurance. It is important however to ask each company what the cost of the insurance is. Wedding insurance packages. As the cost of weddings rises. All you need to do is search Google under "Wedding Insurance Companies" and a bunch of options will be displayed. there. Shop Around and Compare Prices Just as in any other circumstance where you might want to purchase insurance.so make sure your big day doesn't end in tears by taking out some wedding insurance. other factors could conspire to turn the best day of your lives into a nightmare. detailed questions about what would be covered and not covered and to carefully read every word of their policy to confirm that it says the same thing you agreed to verbally.
You cancel because you can't afford the wedding (this doesn't apply if one or both of you gets made redundant)You cancel because of injury due to hazardous activities (for example. of cover.theknot. Many insurers offer different levels. what if your limo driver doesn't show up and you have to book another one the morning of the wedding . Be aware that your insurance could be invalidated if: You cancel because of something you knew about at the time you took out your cover. disasters can strike your wedding day. going bungee jumping the week before)One or other of you decides you don't want to get married. From a sudden cancellation to stolen gifts to a damaged gown. and can also afford you great peace of mind. Again. Wedding Planning: Wedding Insurance 101(wedding. Check your cover. wedding insurance protects a couple's investment from circumstances beyond their control. wedding insurance can help protect you against the unforseen. But what exactly is wedding insurance -. the tier you go for is dependent on the value of your wedding. not tears. even offer stress counselling for couples and their parents.for three times the price? Or what if the groom's custom-made tuxedo is lost in airport baggage. or tiers. and you lose . this could end up being quite expensive. Tiers. Alternatively. So what are the sort of things you need to thinking about covering? Cancellation of wedding and/or reception Damage/loss of wedding attire Problems with photography/videoDamage/loss of wedding ringsDamage/loss of wedding presents Loss of depositsPublic liabilityProblems with transport Problems with cakeProblems with flowersLegal expenses Damage to marquees Some insurance providers.and how does it work? Here's the inside scoop. and he has to buy a new one the day before the wedding? What if your reception space goes out of business a month before the wedding. The more the premium costs the more financial protection you have.you pay for a certain percentage of your guests or a minimum charge.com) Though you might not want to think about it. you may only want to take out a low premium with a minimum amount of cover. if you are having an intimate wedding. and reimburses expenses incurred. For example. such as Marks & Spencer. What Is Wedding Insurance? Basically.
But note: most insurance companies have limitations on how far in advance you can purchase insurance. presents.000. vendors.your reception site or your caterer may already have their own insurance. Ask your vendors for a copy of their policy.your deposit and have to book another space? These are the types of big-day financial losses that wedding insurance can help to protect. With the right wedding insurance policy. But on wedding day. with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers. There is usually a specified maximum amount. attire. Fortunately. Why Get Wedding Insurance? Consider these scenarios: Before you buy wedding insurance. check with your each of your vendors to see how well they're covered -. weather. and deposits usually costs anywhere between $155 and $550. and other vendors. and then figure out where you aren't fully covered. What Does Wedding Insurance Cover? Problems with the site. Let's say you put a deposit on your wedding reception hall 12 months prior to your wedding date and then it burns to the ground a few weeks before the big day. or injury are the top concerns come wedding day.including money for the invites. When Should You Get Wedding Insurance? The sooner the better. so you wouldn't want to pay for overlapping coverage out of your own pocket. which can . check with your each of your vendors to see how well they're covered. their reception site is made inaccessible by an ice storm. the right insurance policy covers the replacement of the veil and gown. The bride's father is injured in a car accident just before the wedding and cannot travel. Do You Really Need Wedding Insurance? Before you buy wedding insurance. With wedding insurance. key people. sickness. cake. Right before the ceremony. depending on the amount of coverage you want. General liability insurance. the couple can postpone their wedding and receive every penny they lost (less the deductible) -.000 for accidents. you'll be sure to get your deposit back. and nonrefundable deposits for ceremony musicians. Brittany's gown catches a gust of wind. floral designer. videos. How Much Does Wedding Insurance Cost? A basic insurance policy that covers loss of photos. If the couple has to postpone their wedding. catering. which covers up to $1. Janet and Dan spend months planning theirwinter wedding. Unfortunately. attire. the tulle dances right over to the end of Uncle Howard's cigar and the dress instantly goes up in flames. costs around $185. rings.
If it's not. or not properly developed. too.the caterer or the officiant. or semi-precious gemstones or pearls (even if they are attached to clothing) may not be covered. Military or Job: It's true.with the principal participants so that pictures can be retaken. jewelry.such as ceremony flowers. a policy usually pays a certain amount to have either a video montage created. Watches. Wedding Insurance Doesn't Cover. Insurance covers rescheduling the wedding and all the details involved -. damaged. Weather: Any weather conditions which prevent the bride. or anyone essential to the wedding. Videographer: When a videotape produced by a professional videographer is damaged (he or she used faulty materials for example). tent rental. experienced an electrical outage. Photography: Some policies pay to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost. cold feet don't count. any relative whose presence at the wedding is essential. or the majority of the guests from reaching the premises where the wedding is to take place. While your wedding rings may be covered by the policy. groom. for example -. Site: Check to see if your ceremony and reception site is already insured.e. Wedding insurance can cover postponement of the wedding due to the bride or groom suddenly getting called to military duty. A policy may also pay costs for rehiring a photographer. In other words.i. if your reception hall is unable to honor your reservation because it has burned in a fire... Sometimes this policy covers the rehearsal dinner site.be claimed under each section. stolen. wedding insurance can cover the cost arising out of unavoidable cancellation (such as damage or inaccessibility to the ceremony site). military personnel may be shipped out at a moment's notice. the bride's company suddenly relocates her to another city. and new flowers. Some policies will pay to re-stage the event -. This can also apply to a last-minute corporate move -. or just plain closed down. a video compilation made of the photographs and . groom.fail to show up? A wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons. videography. Be sure to find out the details of your insurance plan. Sickness or Injury: Wedding insurance may also include sickness or injury to the bride. Vendor No-show: What if essential wedding people -. buying a new wedding cake. and gifts. Additional Coverage Couples can take out supplemental policies to defend against damages incured by other wedding-related items such as photography. and a deductible also applies. your engagement ring probably will not. and reception food. A change of heart.
certain wedding insurance packages include optional travel insurance for your honeymoon. you can a buy separate.com) There are two main types of wedding insurance: liability insurance and cancellation insurance. If not. if possible. Also. Wedding cancellation insurance covers the postponement or termination of a wedding due people or military leave that is suddenly revoked. the groom. or ask your travel agent for details. Gift coverage pays to repair or replace non-monetary gifts that are lost. Gifts: Whether they're mailed to your home or handed to you on your wedding day. But before buying travel insurance to protect your investment. among . stolen. Honeymoon: Your honeymoon can cost as much as a new car. It can also cover financial losses if vendors do n photographs are deleted or the bridal salon goes bankrupt before picking up a wedding gown. or damaged. Call your insurer. or damaged (including financial failure of the bridal store). Special attire usually includes the clothing and accessories bought or rented that are to be worn by the bride. Be sure to talk to your insurance agent -. which would be covered by your personal liability. or you have to cancel. A police report is usually required for stolen gifts. your trip is delayed. Attire: This coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost.other wedding memorabilia. valuable items like gifts are something else you might want to consider insuring. Wedd by many venues and protects purchasers against a costly accident (building fire or injury. Think about a party crasher lifting unattended presents from your reception. for example an event. How Much Does Wedding Insurance Cost?(costhelper. You want to make sure you and your sweetie understand every detail of your policy. and attendants at the ceremony. in order to be covered. Things to Consider Every insurance policy and every wedding scenario is different. or. Medical Coverage: This covers reasonable medical expenses (up to the policy's limits) for each person who is injured during the covered events from a cause of loss.and have him or her explain the nuts and bolts to you. trip-only policy. see if your credit card and/or homeowner's policy covers you if your luggage gets lifted. The damage or theft generally has to take place within a limited time period (ranging from 24 hours to seven days depending on the specific policy) before or after the wedding. stolen. a retaking of the official video at a restaging. Personal Liability: Personal liability covers bodily injury or property damage caused by an accident that occurs during the course of the wedding (your best man trips and falls on his way up to the mike to roast you or Uncle Murray suffers a Harvey Wallbanger wall banger).
Though most companies do not offer it. Research wedding vendors and read reviews on . starting at $170. Some insurance companies allow customers to purchase coverage up to 2 years in advance of the bi deposit on a venue.000. Study the sample wedding contract at covered. makin dispute the charges for poor service. Though wedding cancellation insurance can cover many categories like no-show vendors. f or rented property (tents. couples will want to make sure insurance coverage is already in place in case the Check the company's policy to see how far in advance coverage can be purchased. All policies differ on what they do or d fine print. It also covers repla show up. In addition. A $500 deductible on a policy won't help someone wh the day before the ceremony. if deposits have been business or doesn't show up on the wedding day. Discounts: Wed Safe allows couples to purchase both a liability and cancellation insurance package in order to sa Shopping for wedding insurance: Before purchasing wedding insurance. or sudden illness or military duty of the bride or groom. parent's death. cancellation insurance addresses service providers. videography. Additional costs: Find out in advance what the deductible will be. such as th see if they already offer coverage for losses through their contract.Typical costs: Wedding liability insurance typically ranges from $165 to $200. The Knot recommends checking with each vendor. cancellation insurance should cover the fees to find a Additional coverage may often be added to protect the wedding couple if photography. weather specified maximum amount for each category. A $185 policy will typically cover $1 Wedding cancellation insurance typically costs $95 to $1. For example. tables or chairs) are damaged or lost. the Travelers Insurance equates the fee National Alliance of Special Event Planners endor policies. such as the officiant. Protect My Wedding and make sure an insurance contract i The Better Business Bureau recommends using a credit card for as many expenses as possible. protecting the wedd Cancellation insurance should cover the buyer's costs if the wedding must be postponed due to sev tornado). cost of one guest. This policy protects the family if the bride or groom changes their mind and very common because most companies find it difficult to prevent against fraud with this type of insura What should be included: Liability insurance should cover damage to the wedding venue or injury to guests.
expanded coverage for select events and lower rates to meet their needs. Inc.Aon's Affinity Business Relaunches Private Event Insurance and WedSafe® Programs Product Enhancements with New Programs offer higher limits of liability & property damage. up to $2 million aggregate. event ³With these enhancements. Oct. easily accessible online capabilities. ³Direct client feedback has resulted in product and process enhancements. Product and process enhancements include: higher limits of liability and property damage. and affordability. senior vice president. we are confident our wedding and insurance solution offers clients a high quality combination of coverage. 2008 ± Aon Corporation (NYSE: AOC) announced today that its Affinity Insurance Services.´ said Sharon Cohen. unit has relaunched its private event insurance program offering liability & property damage and event cancellation/postponement products direct to consumers. 16. Pa. new Web sites.´ Reducing cost is one of the leading trends in wedding planning. new. the option to purchase liability coverage with or without host liquor liability. lower rates for both liability and cancellation coverage for private events as well as select business events. ease of purchase. according to the August 2008 . holiday parties and meetings. lower rates HATBORO.. Of particular interest this time of year is the new coverage for business and non-profit events for organizations planning dinners.
Affinity has more than 50 Web sites currently in production. Affinity¶s insurance solutions protect clients¶ deposits should they seek to cancel or postpone the event.edition of The Wedding Report. or if a guest is hurt. attire. private holiday parties and wedding showers. We believe this new program will meet the needs of clients while providing peace of mind so they can focus on the joy of their special event´ said Timberlee Tamraz Grove. or if severe weather or illness occurs. Affinity¶s new program enhancements have features that include venues as additional insureds and that streamline the process to provide proof of coverage. Additionally. jewelry and deposits ± begin at $130.privateeventinsurance. president and chief operating officer of Markel American Insurance Company. . and without liquor liability starting at $75. which underwrites the WedSafe private event and wedding insurance products with Affinity. Liability insurance with host liquor liability can be purchased jointly or separately for a $150 premium. including weddings.com. who want protection in case a guest damages property at the event location. ³We are very excited about the enhancements to the private event and wedding insurance program. including flagships www. anniversary parties.com and www.wedsafe. event liability insurance is often required by wedding and reception venue operators. graduation parties. Cancellation packages ± including coverage for event essentials like photos. gifts. bar/bat mitzvahs. Risk Management Insurance and Reinsurance Brokerage Human Capital & Management Consulting Outsourcing News from Aon Page 2 of 2 Affinity¶s program offers competitive rates for a range of events.
Our industry-leading global resources. In each of these markets. Markel American Insurance Company specializes in the lines of Powersport Products.markelamerican. Preferred Yacht and Small Boat. Aon was named the world¶s best broker by Euromoney magazine¶s 2008 Insurance Survey. please visit www. Aon ranked highest on the Business Insurance ranking of the world¶s largest insurance brokers based on commercial retail. For more information on Aon. log onto http://www. Sign up to receive Aon news alerts http://aon.aon.M.com/index. VA-based Markel Corporation markets and underwrites specialty insurance products and programs to a variety of niche markets. Specialty Marine. best reinsurance intermediary. and best employee benefits consulting firm in 2007 and 2008 by the readers of Business Insurance. For more information. About Markel A subsidiary of the Markel Corporation. and was voted best insurance intermediary. Aon readily delivers distinctive client value via innovative and effective risk management and workforce productivity solutions.Affinity Insurance Services is a full-service broker providing innovative solutions for clients. wholesale. About Aon Aon Corporation (NYSE:AOC) is the leading global provider of risk management services. human capital and management consulting. For more information on our products.markelcorp.com. Best as the number one insurance broker based on brokerage revenues in 2007 and 2008.com/.php?s=58. technical expertise and industry knowledge are delivered locally through more than 500 offices in more than 120 countries. please visit www. insurance and reinsurance brokerage.com The Richmond. reinsurance and personal lines brokerage revenues. the company strives to provide quality products and excellent customer service. Aon also was ranked by A. In 2008. by email or RSS feed at: .mediaroom. and Specialty Property.
liquor. and companies that host activities that are not included in their General Liability Policy. religious entities. and company organizing an event for One Day or longer. band. individuals. Why do we need this? In today's litigious society. city or state authorities. bands. and customers. . contractors. auditorium. individual.What is Special Event Insurance?. friends. club. park. should consider this program. and are required at or by the facility. clubs.www. Who needs it? Any group. and legal defense for claims of negligence brought on to the party holding the Event. These programs provide liability coverage. event organizers face potential liability suits from spectators.com Special event insurance is liability protection for organizations. which may pose a liability risk. groups. friend. organization.g1g.
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