Wedding Cancellation / Postponement Insurance with an Option to Add Liability
You’ve always dreamed of planning the perfect wedding, but no matter how carefully you plan it, there are many things that can go wrong-things that are beyond your control.
What if your reception venue goes out of business a month before the wedding, and you lose your deposit and have to find another location? Or a hurricane causes your wedding to be postponed? What if your bridal shop closes, leaving you without a gown?
A wedding is an investment, and as the average cost of weddings rises, now up to $27,000, wedding insurance is needed now more than ever. After all, you wouldn’t buy a new car without insuring it against damage.
The coverages listed below are all available on a single policy and can be purchased with increasing limits of coverage.
Wedding Protector Plan® can cover:
Cancellation / Postponement
Cancellation / Postponementof the event can provide coverage for certain deposits listed in the policy in the event of a necessary cancellation or postponement of the wedding. For example, if the venue suddenly goes out of business and is inaccessible or sudden illness prevents the honorees, parents, grandparents or children of honorees from attending, or an honoree is unexpectedly called to duty, this coverage can reimburse you for the deposits lost.
Lost deposits can provide coverage if a vendor goes out of business, declares bankruptcy before your event, or simply fails to show up. For example, if your band or your limo provider fails to show up, this coverage can reimburse your lost deposit.
Additional Expenses can provide coverage for certain unexpected expenses you have to incur in order to avoid a cancellation or postponement of your wedding. For example, if a caterer or transportation company suddenly becomes unavailable for your event and you can find a last minute replacement, this coverage can reimburse you for the difference in cost up to 25%of the original contract price.
Event Photographs & Video
Event Photographs & Video can provide coverage in the event your photographer’s film is defective or photos are lost or damaged. For example if your photographer fails to show up, or loses your photos from your wedding, this coverage can reimburse you for the cost of reconvening your wedding party to take new photos or video.
Event Gifts can provide coverage if your gifts are damaged. For example, if your gifts are somehow damaged while on display at the event, this coverage can reimburse you for repair or replacement cost.
Special Attire can provide coverage if the honoree’s event attire is lost or damaged. For example, if you’re traveling to your destination event and the airline loses your event attire, this coverage can reimburse you for the replacement attire.
Special Jewelry can provide coverage for loss or damage to jewelry purchased or rented specifically for personal decoration of honorees on the event date or within 7 days prior to the event date.
Liability Insurance (optional coverage)
Liability insurance is an optional coverage that can provide coverage for bodily injury, property damage, and personal injuries to third parties at the location of your event. You also have the option to include liquor liability coverage, which protects you from alcohol related suits brought as a result of an intoxicated guest who was served alcohol at a wedding you hosted.
Please Note: Liability insurance is only available in the U. S. and its territories, Canada and Puerto Rico.
Liquor Liability Coverage (optional coverage)
Liquor liability is an optional coverage and is only available if you have selected liability insurance; it can be added to the liability coverage you purchase for a nominal fee. Liquor liability coverage is designed to protect you and your immediate family against alcohol-related accidents. For example, if an accident is caused by an intoxicated guest at the event site, that could result in liability for you. Liquor Liability coverage is available up to the liability limit on the policy.
Please note: Liquor liability is currently not available to residents of Massachusetts.
Have any questions?
The descriptions contained herein are summaries only. Please see actual policy for full terms, conditions, exclusions, and deductibles. All submissions are subject to underwriting guidelines. Coverages and discounts may not be available in all jurisdictions.