Congratulations! You are engaged to be married and the thought of the mother brings joy, happiness and many smiles to both of you, to your parents, relatives and friends.
The overall planning for the big day takes a lot of time and energy, not to mention money. Expenses include limousine, wedding attire, florist fees, photographer costs, and all prices related to banquet hall rental, catering, liquor store, band, DJ, and much, much more. This, after all, will be the holiday to remember: the celebration of when two souls came together to honor, love and share life.
Anything that involves preparation involves another factor: fun and excited anticipation. But the fun and excitement can soon be replaced by genuine disappointment along with financial loss if things don’t go as initially envisioned. Even happy occasions are subject to accidents and failures. So what do bride and groom do to avoid the unexpected pitfalls that can crop up?
The answer, like virtually everything related to risk exposure for a homeowner, car driver, business owner, and family member, is insurance coverage. And yes, there is insurance to protect your special wedding day.
How does this special form of compensation protect you?
The following examples of insurance claims will serve to illustrate that.
• Damage to property
The best man completely forgot to put out the burning candle in the groom’s room. Unfortunately, this resulted in a fire that partially damaged the walls and floors of the rented ballroom.
• Cancellation coverage
The bride’s family booked the banquet hall about two years ago. Meanwhile, the establishment was facing financial difficulties, leading to eventual bankruptcy. The salon closed before the wedding date.
• Jewelry coverage
The groom thought he had placed the bride’s wedding ring in the black velvet lined ring box. However, when he opened the box, he discovered that it was missing.
• Medical Payments
Upbeat music was the perfect accompaniment to an energetic round of waltzing. Unfortunately, the father of the bride outdid himself with the steps. The slippery floor didn’t help either as she began to lose her balance and fell. The misstep resulted in a broken leg and immediate surgery to correct the injury.
• Liability for food or beverages
Something was terribly wrong with the choice of entrée offered to guests at the meal. Five wedding guests ended up in the hospital with food poisoning after ingesting the spiced corned beef after the wedding celebration.