Insurance to protect your wedding day

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.

The overall planning for the big day takes a lot of time and energy – not to mention money. The cost includes limousine, wedding attire, florist fees, photographer fees and all price tags associated with renting the banquet hall, catering, beverage bar, band, DJ and much more. After all, this will be the party to remember: the celebration of the moment when two souls became bound to honor, love and share life.

There’s another factor in everything that comes with preparation: fun and excited anticipation. But the fun and eagerness can quickly be replaced by genuine disappointment and financial loss when things don’t go as originally thought. Even happy occasions are subject to accidents and failures. So what do the bride and groom do to avoid the unexpected pitfalls that can crop up?

The answer, like pretty much everything pertaining to risk exposure for the home owner, motor vehicle driver, business proprietor and family person, 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 serve to illustrate this.

• Property damage
The best man completely forgot to blow 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. In the meantime, the establishment was in financial difficulties, leading to eventual bankruptcy. The venue closed for the wedding date.

• Jewelry cover
The groom thought he had placed the bride’s wedding ring in the black velvet-lined ring box. But when he opened the box, he found it was gone.

• Medical payments
The lively music was the perfect complement to an energetic round of waltzes. Unfortunately, the bride’s father outdid himself with the kick. The slippery floor didn’t help either as he began to lose his balance and fell. The misstep resulted in a broken leg and immediate surgery to correct the injury.

• Liability for food or drink
Something was terribly wrong with one entree selection offered to guests during the meal. Five wedding guests ended up in the hospital for food poisoning after ingesting the spiced corned beef after the wedding party.