Quote | Purchase Wedding Insurance
Quote | Purchase Private Events Insurance
Wedding Insurance from Travelers | Peace of Mind for your Special Day | Brochure
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With the seasons changing, there will be a lot of wedding plans in the air. Most couples will be renting a reception venue.
When you pick out your reception venue, make sure you read the contract carefully before signing. You may be responsible for providing the liability insurance.
Your homeowners’ policy may or may not extend the coverage. You will need to talk with your insurance agent.
A Special Events Liability Insurance Policy is recommended to protect you, should a liability-related accident occur at the reception, resulting in bodily injury or property damage.
Liability limits up to $1,000,000 are available. Liquor liability can be included if alcohol is being served at the reception. Liquor liability can be purchased at a separate limit.
You will spend a lot of time and money on your Wedding Day. Ensuring you have your event covered, will be one less thing to worry about.
Quote | Purchase Wedding Insurance
Quote | Purchase Private Events Insurance
Wedding Insurance from Travelers | Peace of Mind for your Special Day | Brochure
Consultation Form Complete and return to our agency
Additional Information about Wedding Insurance
Wedding insurance, also known as wedding cancellation insurance or special event insurance, is a type of insurance policy that provides financial protection and coverage for various unforeseen circumstances or events that could disrupt or cancel a wedding. It helps couples and their families safeguard their investment in the wedding and mitigate potential financial losses if something goes wrong. Here are some key aspects of wedding insurance:
1. Coverage Types:
– **Cancellation or Postponement**: This coverage protects you if you need to cancel or postpone your wedding due to unexpected events such as illness, injury, or death of a key person, extreme weather, venue closure, or other unforeseen circumstances.
– **Vendor Issues**: If any of your wedding vendors (e.g., photographer, caterer, florist) fail to fulfill their contractual obligations, wedding insurance can help cover the additional expenses to find replacement services.
– **Damage or Loss**: Coverage for damage, theft, or loss of wedding attire, gifts, or personal property during the event.
– **Liability**: Protection in case of accidents or injuries that occur during the wedding, such as slips and falls or property damage caused by you or your guests.
2. Costs Covered:
– Wedding insurance can cover various costs associated with the event, including deposits, non-refundable expenses, and additional expenses incurred due to unforeseen circumstances.
3. Policy Limits and Deductibles:
– Policies typically have coverage limits and deductibles, varying depending on the insurance provider and your chosen policy. Be sure to review these carefully and select the coverage that suits your needs.
4. Exclusions:
– Wedding insurance usually excludes coverage for events that are within your control or foreseeable, such as a change of heart, pre-existing medical conditions, or events related to war and terrorism.
5. Coverage Period:
– Most policies cover events on the wedding day, but some may offer extended coverage for events like rehearsal dinners or other pre-wedding gatherings.
6. Cost of Wedding Insurance:
– The cost of wedding insurance varies depending on factors such as the coverage amount, location, number of guests, and the insurance provider. On average, policies can range from a few hundred to a thousand dollars.
7. Obtaining Wedding Insurance:
– You can purchase wedding insurance from specialized event insurance providers and some traditional insurance companies. It’s advisable to shop around and compare policies to find the one that best suits your needs and budget.
8. Timing:
– Purchasing wedding insurance is recommended when you start making deposits and payments for wedding-related expenses. This way, you are covered if an unforeseen event occurs during the planning process.
9. Claim Process:
– In the event of a covered incident, you’ll need to contact your insurance provider and provide documentation to support your claim, such as receipts, contracts, and medical reports.
Wedding insurance can offer peace of mind by helping you mitigate the financial risks of your wedding. However, it’s essential to carefully read and understand the policy terms and conditions, including any exclusions and limitations, before purchasing a policy. Additionally, you should consult an insurance professional to ensure you have the right coverage for your wedding circumstances.
Original Post 4.23.2009