Wedding Insurance
Filed under Expert Advice, PlanningHere are some of the items a typical policy might cover:
- Cancellation or postponement due to: weather, damage to the facility, sickness, failure-to-show of the caterer or officiant, financial reasons, etc.
- Photography or videography: failure of the professional to appear, loss of original negatives, etc.
- Lost, stolen or damaged gifts
- Lost, stolen or damaged equipment rentals
- Lost, stolen or damaged bridal gown or other special attire
- Lost, stolen or damaged jewelry
- Personal liability and additional coverage
- Medical payments for injuries incurred during the event
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It Can’t Happen To Me
Don’t be lulled into the notion that an event disaster can’t happen to you. It could rain when you least expect it. Or your well-intentioned aunt might melt your wedding dress while ironing out a few wrinkles. Wouldn’t it be nice to know that your dress, wedding photos, equipment rentals and gifts are covered? Naturally, a New Year’s Eve party or a high school prom night is riskier than a wedding, but we could tell you stories of upscale parties where something did happen and a lawsuit resulted.
So even if extra insurance is not required, you may still want to consider additional coverage, especially if alcohol is being served. You are the best predictor of your guests’ behavior. If you plan on having a wild, wonderful event, a little additional insurance could be a good thing.
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