A wedding day should be the most important and special day of your life. But, even the most carefully planned event can have calamity fall upon it. The best way to be protected from a possible disaster is by purchasing wedding insurance that can help the bride and groom cover the expenses of an unexpected catastrophe that can turn their special day into a nightmare.
What activities does wedding insurance include?
Wedding insurance goes beyond just covering the wedding ceremony itself. It also covers other activities associated with the wedding including the rehearsal, reception, and any other activities that are connected to the nuptial services.
What does wedding insurance cover?
The policyholder is covered from liability in the event of bodily injury, property damage, advertising injury, and personal injury. The policy also covers legal costs that are incurred as a result of a lawsuit that results from any of these issues.
If you can’t think of any possible reason why acquiring wedding insurance is a good idea, read below for some examples from opens in a new window of how it can save the big day from imminent disaster.
Every bride dreams of her wedding day and imagines that the sun will be shining and birds will be singing. However, Mother Nature can unexpectedly rear her ugly head and a torrential downpour can happen easily. Wedding insurance can defray the costs of having to rent or purchase tents or move the venue altogether.
Damaged wedding clothes
Wedding clothes are expensive. Many women spend thousands of dollars on their dress alone. Since the cost of weddings dresses is so high, women will buy them with the intent of keeping them for years as a remembrance of the special day. But, one spilled glass or red wine or a torn hem can damage the beautiful gown. Having the gown cleaned or repaired can be costly, but wedding insurance can help to defray the costs of bringing the dress back to its original state. The bride’s dress isn’t the only article of clothing about which to worry. If the groom’s tuxedo gets damaged, he will be on the hook to the rental company for replacing it, which can be expensive. With wedding insurance in place, the groom will not have to worry about paying for any damage done to the tuxedo.
Disappearing wedding rings
The wedding ring has traditionally been the most important symbol of the couple’s commitment to each other. But, even the most careful keeper of the rings can have an off day. Wedding insurance will go into effect in the event one or both of the wedding rings are lost or damaged.
Venues have been known to double-book weddings. When this occurs, someone is left out in the cold with no place to hold the festivities. The only available solution to this problem is to hold the wedding elsewhere. Wedding insurance can cover the costs associated with having to book an alternate venue at the last minute.
Out of business
Anyone who plans a wedding must deal with many different businesses. If the dress shop, flower shop, bakery, or any other business associated with the wedding goes out of business, a marrying couple needs to find an alternate solution for the goods that were coming from that vendor. If the company goes bankrupt, they are not required to refund any money that has already been spent. Couples with wedding insurance can be assured that their losses will be covered, and they will not be out the money that was spent.
Although weddings are joyous occasions, they are not immune from the occurrence of accidents. Since the bride and groom are the hosts of the event, they are liable for any accidents that occur during the festivities. A simple fall on the dance floor can cost a bride and groom a significant amount of money if they are not covered by wedding insurance.
Wedding insurance will protect the marrying couple in the event the wedding does not take place due to a death of someone close to the couple or a member of the wedding party. It should be noted that wedding insurance does not cover the couple for nuptials that do not occur due to the couple deciding to not get married.
Couples who are busy planning their big day should check out the wedding insurance policies that are offered through opens in a new window. Our wedding insurance policies are reasonably priced and can be customized to fit any bride and groom’s needs. Our coverage limits are high, and there is no deductible, so there is no downside to this coverage. Marine Agency has been in business since 1922, so we have a long history of offering high-quality products at reasonable prices. Although we started out as an insurance company that exclusively serviced the marine industry, we have successfully expanded to offer insurance policies for a number of unique businesses opens in a new window, including barbershops, beauty salons, and tattoo parlors.
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