If you are planning a wedding, you have so many things to think about, including the dress, the venue, and the food. All of these things are expensive, and although you don't want to think anything can go wrong, it certainly can. The weather can go crazy or some other calamity can occur. Although you cannot insure the marriage, you can certainly insure the wedding. Before the big day, you need to make sure your policies cover your expenses and your liabilities.
If you are planning a backyard wedding, your current property insurance liability will protect you. If you are planning to serve alcohol, you should check your liability coverage to make certain it is adequate. Sometimes, an umbrella policy is recommended. When alcohol is part of the equation, bad things are more likely to happen, so you need to protect yourself in case your guests are involved in an accident. Special event policies geared toward these types of occasions are also available. You will need to consult with an insurance agent from a company like Harris Insurance Services to see what additional coverage you need.
Wedding Cancellation Insurance
You can also buy wedding cancellation insurance to protect your financial investment. Sometimes life gets in the way. Sudden illness, flooding, and even a change of heart can cause the ceremony to be cancelled or delayed. These policies not only cover postponement and cancellations, they also protect you from no-show vendors, gift theft, and a number of other issues. You can choose a number of coverage limits depending on the size and expense of your ceremony and reception.
Wedding Liability Insurance
If you are holding your wedding at a venue, the management may require you carry wedding liability insurance. Most policies cover the wedding and the reception. Some will even cover the rehearsal dinner if it is close enough to the actual wedding day. This insurance protects you if someone is injured or property is damaged during your event. Remember, even the most elegant occasions can get rowdy after a few hours of drinking, so even if you are not required to have this insurance, you should consider buying a policy.
Weddings can be risky simply because they are generally quite expensive. In addition, having a number of guests can open you up to serious liability issues. You can protect yourself by purchasing the right wedding insurance coverage. Even if you plan a small backyard wedding, you need to consult your insurance agent to make certain that you are adequately covered.