Insure Your Wedding? Yes You Can!
Insuring your wedding is more than just an increasingly popular trend, it is a prudent, smart move that can provide peace of mind from the day you get engaged until the honeymoon begins.
Why should the average bride and groom consider purchasing wedding insurance? Couples invest a lot of time and energy in creating a beautiful day. Weddings of all sizes also require significant financial investment and wedding insurance is a way to protect that investment. Once wedding plans get underway, couples make deposits and payments that may be non-refundable. From relatively small issues that might cause you to incur additional expenses, to unforeseen circumstances that cause the cancellation or postponement of the entire reception, insuring your event is a way to protect your day, your dream and your financial investment. Venues may also require the host to provide proof of Event Liability Insurance to protect the host and the venue in the event of an injury or damage to property. Events of all kinds pose liability risks, which is why many venues require liability insurance in order to use their facility.
Event Liability & Property Damage Insurance is required by many wedding venues and protects you if you are held financially liable for property damage, bodily injury and if included, for alcohol related accidents arising out of your wedding or event.
Event Cancellation/Postponement Insurance offers coverage for non-refundable expenses or lost deposits should the event need to be cancelled due to extreme weather, unexpected illness, military leave and other serious situations.
If a couple has a non-refundable deposit with a vendor, and that vendor goes out of business, wouldn’t you want as much protection as possible? Financial difficulties affect all types of businesses, and wedding vendors are no exception. Wedding event cancellation insurance provides more than just coverage if the entire event if forced to be cancelled or postponed. It can offer reimbursement of lost deposits for any of the vendors contracted with for the wedding who might close their doors or not perform their responsibilities that were contracted for.
Do you think wedding insurance is more applicable to high-end weddings than those that cost less? How about considering if homeowner’s insurance is more applicable to a mansion than it is to an average home? Weddings of all sizes and levels of expense can be protected and the wedding event cancellation insurance premium is based upon the limits selected, so there is an appropriate coverage and rate level for virtually all weddings. The question to ask is: What would happen to my wedding investment if something goes wrong? Wedding insurance can protect that investment, whether it is a relatively intimate affair or a large-scale high-end event.
Wedding insurance policies can start at only $75 in most states. The average cost for a policy is under $200. The cost of weddings themselves can have a broad range, and the insurance to protect that level of investment can vary based on that and other factors. WedSafe offers instant, no-hassle quotes and the ability to purchase easily online in just minutes.
We have seen hurricanes and other weather events force the cancellation weddings; theft of gifts at the reception; photographs lost or damaged requiring additional expenses to re-shoot; weddings being forced to relocate at the last minute for any number of reasons; injuries and sickness preventing key members of the event from attending. These are all examples of events that could trigger coverage and a wedding insurance policy may respond to covered claims and reimburse couples for covered losses, potentially saving couples many thousands of dollars.
What are the first steps to signing up for a wedding insurance policy with WedSafe and Private Event Insurance? First, take as much enjoyment as you can in planning your special day. Second, establish your overall budget. Third, once you begin placing any deposits with the venue or other vendors, stop by WedSafe.com and obtain an instant, no-obligation rate quote. Both Event Cancellation and Event Liability insurance products can be purchased easily online in just minutes.
It is your dream, and your big day. Protect them! Visit WedSafe Wedding Insurance or Private Event Insurance and read more about why any bride, groom or family member helping to plan a wedding should strongly consider purchasing wedding insurance.
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Steven A. Lauro | Vice President
Aon Affinity | WedSafe Wedding Insurance | Private Event Insurance
300 Jericho Quadrangle | Jericho, NY 11753