Congratulations! You are engaged to be married and the mere thought brings joy and happiness and lots of smiles to both of you, your parents, family and friends.
General planning for the big day takes a lot of time and energy – not to mention money. Expenses include all the price tags associated with renting a limo, wedding dress, flower fees, photographer’s costs, and renting a banquet hall, catering, liquor bar, band, DJ, and more. After all, this will be a party to remember: the celebration when two souls became bound to share respect, love, and life.
Everything that goes into preparation adds another factor – fun and excited anticipation. But the fun and excitement can soon be replaced by real disappointment as well as financial loss if things don’t go as initially envisioned. Even happy occasions are subject to accidents and setbacks. So what do brides and grooms do to avoid the unexpected pitfalls that may emerge?
Answer, practically everything related to risk exposure for the home owner, auto driver, business owner and family man has insurance coverage. And of course, there is insurance to protect your special wedding day.
How does this particular form of indemnity protect you?
The following insurance claim example will serve to illustrate this.
• property damage
The best man completely forgot to blow out the candles in the groom’s room. Unfortunately this resulted in a fire which partially damaged the walls and floor of the rented ballroom.
• Cancellation Coverage
The bride’s family had booked the banquet hall about two years back. In the interim, the establishment was experiencing financial difficulties, which eventually led to bankruptcy. The hall closed before the date of marriage.
• Jewelry Coverage
The groom thought he had placed the bride’s wedding band in a black velvet lined ring box. Yet when he opened the box, he found that it was gone.
• Medical Payments
The lively music was the perfect accompaniment to an energetic waltz round. Unfortunately, the bride’s father crossed himself on the steps. The slippery floor didn’t help either when he started to lose his balance and fell. The leg was accidentally broken and immediate surgery was done to repair the injury.
• Food or Beverage Liability
Something was very, very wrong with one of the entrée selections offered to guests at the meal. Five wedding guests were hospitalized for food poisoning after eating spicy corned beef after a wedding celebration.