Wedding Insurance
Protect Your Special Day
Wedding insurance is a type of private event insurance that protects a couple's investment from circumstances beyond their control leading up to and on their wedding day - coverage can be purchased to protect the wedding, wedding ceremony, reception, rehearsal and rehearsal dinner.
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The core policy typically provides coverage for:
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Wedding Video/Photo Coverage – if the photographer or videographer doesn't show up for the event, or does not deliver photos and videos when promised
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Protection for Wedding Gifts – excludes cash and gift cards
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Special Attire and Jewelry Coverage – includes coverage for lost or damaged dresses or attire and special jewelry coverage that includes lost or damaged wedding rings
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Coverage for Lost Deposits – protects lost deposits, such as those paid to bakers, caterers, bridal boutiques and wedding venues that go out of business
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Additional Wedding Expenses – can provide coverage for additional and unexpected expenses that come up, such as replacing a damaged wedding cake, spoiled food and other glitches in catering and entertainment
General Liability & Liquor Liability
More and more wedding venues are requiring couple's to purchase general liability insurance - they will ask for a certificate of insurance naming the venue as additional insured.
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General liability coverage protects the couple if they are held liable for property damage, bodily injury or personal injury to third parties at the location of the ceremony and/or reception - coverage can also be provided for the rehearsal dinner.
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There is also an option to add liquor liability coverage, which protects the couple and their immediate families against alcohol-related accidents.
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Cancellation or Postponement
Cancellation coverage helps protect from financial loss if the wedding needs to be postponed or canceled due to family illness, extreme weather, or some other unexpected reason.
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Top 5 Cancellation or Postponement Reasons In Past 5 Years
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Bride or groom suffers sickness or illness
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Event location is damaged prior to the wedding
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Caterer or officiant doesn't show
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Bridal gown gets lost or damaged
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Withdrawal of a written military leave of absence
**Coverage is not provided if there is “a decision” not to proceed (groom gets cold feet, etc.)**
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