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Wedding Insurance

by | Sep 30, 2014 | Insurance News | 0 comments

Happy Couple photo courtesy of Dkol photography.

Happy Couple photo courtesy of Dkol photography.

Wedding Insurance in the Hudson Valley

 

Below is some information on Why you need wedding insurance.  Something to note, this type of insurance is available for other parties such as anniversaries, and birthday celebrations. Give us a call to discuss if it is appropriate for your event.

Ever had a sleepless night, worrying about what could go wrong?

The Wedding Protector Plan® is special event insurance which provides cancellation postponement coverage and other coverages to cover your investment, with an option to add liability coverage with no deductible, for many of things that could go wrong – that are beyond your control.

The scenario

No Dress

 You can get repair or replacement cost if the bride’s wedding gown or groom’s tuxedo is lost or damaged.

Lost Deposits

 We can reimburse your deposit if a vendor goes out of business, declares bankruptcy before your wedding, or simply fails to show up.

Lost Rings

You can receive repair or replacement cost if the bride’s or groom’s wedding band is lost or damaged.

 Severe Weather
 If severe weather (such as a hurricane) forces you to postpone your wedding, we can provide reimbursement for non-recoverable expenses.

Transportation Shutdown

 If you have to postpone your wedding because a commercial transportation shutdown prevents the honorees, parents, grandparents or children from getting there, you can receive reimbursement for non-recoverable expenses.
Ruined Photos
 If your photographer’s film is defective, or negatives are lost or damaged, we can help reconvene your wedding party to take new photos or video.
Call to Duty
 If the bride or groom is unexpectedly called up to duty, or her or his military or service leave is revoked, forcing you to postpone the event, we can provide reimbursement for non-recoverable expenses.

Damaged Gifts

You can get repair or replacement cost if your wedding gifts are damaged.

Sudden Illness
If the wedding needs to be postponed because sudden illness prevents the honorees, parents, grandparents or children from attending, you can receive reimbursement for non-recoverable expenses.

Venue Requires Insurance

As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property. There is no additional cost for additional insured.

Additional Expense
If a vendor suddenly becomes unavailable for your event but you can find a last minute replacement, we can reimburse you for the difference in cost, up to 25% of the original contract price.

Unemployment

 Benefits will trigger if the wedding must be cancelled or postponed due to lack of funds. The insured must qualify for unemployment under applicable employment statutes.

 

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to individuals meeting our underwriting criteria and state availability