Planning a wedding comes with a long list of details. The venue, photographer, attire, flowers, food, music, gifts and countless other pieces all come together to create one very special day. With so much time, energy and money invested, it is also worth thinking about how you can protect that investment if something does not go according to plan.
That is where wedding insurance can help.
Wedding liability insurance can provide coverage for basic property damage and bodily injury claims associated with your celebration. But specialty wedding coverage can go even further, helping protect against some of the unexpected situations that could otherwise leave you with a significant financial loss. Our wedding insurance flyer highlights a number of optional coverages designed specifically around the risks that come with planning a wedding.
Depending on the policy and coverage selected, protection may be available for situations such as:
- Loss of deposits if a vendor goes bankrupt and your deposit cannot be recovered
- Cancellation or postponement, including certain circumstances that force you to move your big day
- Additional expenses when an unexpected issue requires a last-minute replacement
- A change of heart if the wedding is canceled
- Problems involving a photographer or videographer, including the need to reshoot because of a vendor no-show
- Professional counseling following a canceled or postponed wedding
- Host liquor liability related to alcohol served at the celebration
- Damage to rented property or party supplies
- Lost, stolen or damaged gifts
- Special attire if something happens to wedding clothing
- Jewelry coverage for rings exchanged during the ceremony
- Medical payments if a guest is injured during the celebration
Of course, coverage varies, and policies have specific terms, conditions, limits and exclusions. That is why it is important to talk with an insurance professional about your wedding plans and the coverage that makes sense for you.
You cannot insure against every wedding-day hiccup. Rain might still fall, someone may still forget their dance steps, and the best man’s speech may still go on a little too long. But you can take steps to protect the financial investment you have made in your celebration.
At Rathbun Insurance, we love helping our clients prepare for all of life’s big moments, and getting married is certainly one of them. Before you walk down the aisle, give our team a call. We would be happy to talk through specialty wedding coverage and help you determine whether it belongs on your wedding planning checklist.
Here’s to protecting your big day so you can focus on the most important part: living happily ever after.