Wednesday, January 2, 2013

Wedding Insurance 101


Not just for bad weather (but that may be covered), this protects your deposits, attire, photographs and much more.

An Event insurance Policy is designed to protect you from financial loss in the event one of the major elements of your wedding covered under the policy is lost or damaged prior to your event, to reimburse you for a deposit made to a vendor who goes out of business before performing contracted services and to cover rescheduling costs if your wedding must be cancelled or postponed due to various circumstances beyond your control. Wedding insurance includes specific coverage for your wedding photography and video, special attire and attendant clothing, special jewelry and gifts, and will respond for a cancellation or postponement resulting from causes ranging from such common concerns as adverse weather and illness to lesser thought of events such as unemployment, damage to your venue, withdrawal of military leave and, in many cases, terrorist acts.

Whatever your situation, there is an event insurance coverage level that is suitable for your needs.

What is covered?

Weather - If the policy is purchased more than 14 days before the wedding and adverse weather prevents the celebration from taking place or a majority of your guests from attending, the costs of rescheduling the event are covered. Be aware that dark skies and light rainfall alone won't qualify as reason enough to cancel your wedding.
Key People - If people crucial to the wedding are unable to attend due to illness or injury, the cost of postponing the event is covered. This also holds true if the officiant fails to appear on your wedding day.
Military - If the wedding must be postponed due to the bride or groom in the military having their leave withdrawn.
Photographs & Video - If your photographer fails to show, if the film used for your photos is defective, or if the negatives are lost, destroyed, or improperly developed, this coverage allows you to reunite the wedding party for a re-shoot to capture your wedding memories.
Special Event Gifts - This coverage is designed to protect you against the theft, damage or loss of your special event gifts.
Special Attire - If your special event attire or one of your attendants is lost or damaged, this coverage will provide for repair or replacement.
Special jewelry - This coverage is designed to replace special event jewelry that is lost or stolen prior to your wedding day.
Loss of Deposits - If one of your vendors goes bankrupt or ceases doing business, this coverage will respond to reimburse you for any deposits you may lose as a result.

For more information visit

Pablo Vazquez, PBC
Bisli Event Services

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