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Wedding Day Blues

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Wedding Day Blues

For many, finding your “soulmate” and wanting to join together with them for eternity is special. But, sometimes that special day can be ruined by unexpected events. We highly-recommend purchasing wedding (or sometimes called “special event”) insurance to help ease the eager couple’s minds in case of catastrophe.

One of our carriers has a special wedding insurance package that is fairly inexpensive to buy and includes a bunch of coverage that could come in handy in case it rains on your special day (both literally and figuratively). The Wedding Plus insurance package from USLI offers many coverage which can be increased if needed. Here are some of the coverages included in the base plan:

– General Liability. This covers includes medical payments coverage in case a guest gets injured during the affair, property damage in case you or a guest damage the facility/venue the affair is being held at, & product liability in case a guest gets sick on the food/drink served at the affair (the caterer will be sued and you will be sued as well since it is YOUR affair…).

– Host Liquor Liability. Your homeowners/condo owners/manufactured home/renters insurance can offer liquor liability coverage BUT it often does not meet the minimum liability level (most venues require $1,000,000 in coverage) and will not allow you to add Additional Insureds (most venues will want to be covered for liquor liability for your event). Even if you aren’t found liable for an alcohol-related incident at your reception, you will still need legal defense coverage.

– Wedding Attire. The base policy offers up to a $1,000 for the cost to repair/replace either the bride or groom’s wedding attire in case of damage or if stolen. With the recent wedding dress stores going out of business and keeping bride’s dresses (basic theft) – this is a coverage to have.

– Lost Deposit. If a vendor goes bankrupt, closes its doors, or fails to show up – the basic policy affords $1,000 for lost deposits.

– Gift Coverage. recently there was a news story about a woman that entered a reception and made off with gifts/money envelopes. The basic policy affords $1,000 for stolen gifts.

 

There are more coverages included as well as additional coverage that can be added (such as rain date coverage) or increased. Give us a call if you live in Michigan for a quote today!

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

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