Wedding Insurance for Event Liability

Wedding Insurance for Event Liability

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When you hear the term “wedding insurance” you may think that it refers to enjoying a successful marriage. Although we would love for couples to have such coverage, it is between the man and the woman to make their marriage a success.

Wedding insurance is coverage that applies to the event, not the marriage. You know, the day that everyone comes to town to hear you and your future spouse exchange vows followed by an elaborate reception where the new couple celebrates with their guests. You have poured tens of thousands of dollars into making this event a special one, but what if you must cancel your wedding due to an illness? Or, your finance is suddenly deployed halfway across the world and won’t be back until months after your wedding date?

Making an Investment

That’s where wedding insurance comes in, an insurance policy written exclusively to protect you on your Big Day. It is a policy that many insurance companies offer and it may be an investment worth making as you prepare for your nuptials.

Wedding insurance protects you when you need it most. For instance, if your photographer fails to show up and you must make last second arrangements for a new one, wedding insurance will have you covered.

If you order a pricey wedding gown and the vendor goes bankrupt, wedding insurance will ensure that you have the money to buy a new one. It can also protect you should you experience an illness, travel delays or lose a close relative and must push back the wedding or your honeymoon. Lost wedding rings, damaged attire, a missing wedding cake, spoiled food and any other problem that causes loss can be recovered with wedding insurance.

Event Planning Coverage

You can buy a wedding insurance policy that covers the entire cost of your event. This is a good idea if the worst thing happens — your wedding is canceled and your vendors have you on the hook for tens of thousands of dollars in invoices. You can recover deposits and ensure that your vendors are made whole with the right coverage.

A rainy day or a snowstorm may not stop your wedding, but a hurricane or a blizzard just might. It has to be a truly catastrophic event that forces your wedding to be postponed, but if it is you can file a claim to get reimbursed for those expenses deemed non-recoverable.

Wedding insurance can be purchased as much as two years before your planned event. Some insurers will even issue a policy just 24 hours before your wedding, but you should consider buying insurance as soon as you make your first deposits on your reception hall, your vendors and begin paying other expenses.

Change of Heart

Wedding insurance does not cover every instance of loss including the devastating news that your intended does not want to go on with the wedding. A change of heart can certainly be devastating, but it is a matter that must be settled privately.

When shopping for insurance coverage, you will want to explore your options including liability coverage that offers an additional level of protection. You can tailor your coverage to your needs to ensure that your losses are mitigated if you must file a claim.

See Also — Top 5 Most Romantic Wedding Locations in the Country

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