Congratulations! You are engaged to be married!
After a couple decides to get married, there are many exciting plans to make for a wedding.
From booking the hall to renting or purchasing the right wedding attire and hiring the services of vendors like a caterer, florist, band, photographer, videographer and others, the event requires carefully thought-out preparations.
But luckily, the perceived results of wedding plans don’t always fall into a flawless outcome. Accidents and heartbreaking mishaps can and often do happen, even on the most important day of a new couple’s life.
Fortunately, there is wedding insurance to cover any related mishaps.
Here are some important things that a wedding insurance policy can cover.
Insurance coverage for the wedding event
Liability – If the venue or equipment sustains damage for which the wedding party is responsible, or if a guest is injured at the event, wedding liability insurance may pay for the associated costs.
Cancellation or Postponement – If an unexpected event occurs, such as extreme weather or illness, and the wedding must be canceled or postponed, this coverage will pay for related expenses.
Vendor Default – In the event that the photographer or other wedding vendor does not show up or deliver the products on the promised date, this will provide you with coverage.
Loss of Wedding Gifts – This coverage extends to items presented as gifts to the bride and groom, but not cash or gift certificates or cards.
Special Clothing – If any of the special clothing worn by the wedding party is lost, stolen, or damaged, this coverage will pay for its replacement or repair.
Special wedding jewelry: If the ring or other special jewelry for the event is damaged, lost or stolen, this coverage will step in to pay the associated costs.
Loss of deposits related to the wedding: In the event that one of the contracted wedding vendors goes out of business and fails to deliver services or goods, this coverage will pay for loss of deposits.
Liquor Liability – If the wedding party is liable for damages or injuries due to intoxication at the event, this form of insurance will cover the costs.
Just as no person or couple is the same, each wedding comes with its unique set of exhibits. Talking to an experienced independent agent about your related insurance needs will clear up any issues. Plus, an independent agency offers policies from many different companies and the expertise of a professional who buys the insurance network for you to present personalized coverage at competitively lower rates.