Wedding Insurance

We have insurance for just about everything these days. Life insurance. Medical Insurance. Car insurance. But what do we have to protect one of the biggest days of our life? What happens if your baker goes out of business (Yikes!) or your venue needs you to have liability coverage? Well that’s where Wedding Insurance comes into play. And there are a couple of ones to choose from: Cancellation Insurance and Liability Insurance.

Cancellation Insurance can cover issues that you just can’t plan for such as postponements (bad weather for example) where you could possibly lose your deposit, no show vendors, damage to your wedding gown, or someone who is in the military who gets deployed, etc. Some will even allow you to add the name of your wedding venue and reception ceremony as additional insured and will send them a copy of the policy at no additional charge.

Liability Insurance is sometimes required by ceremony and reception sites and will protect you if you’re held liable for property damage or bodily injury. Some will also have an option to protect you against alcohol related accidents and it’s called the host liquor liability.

Most policies start from $500,000 and can go up to 2 million in liability coverage and pricing varies depending on your state.

There are a couple of companies that can provide you with wedding insurance. The two biggest ones are Wedsafe (http://www.wedsafe.com) and Wedding Insurance (http://www.weddinginsurance.com) A search of the web will help you find several other companies that will offer you the protection for your big day.

As with everything, do your research and find a company that will work with you to give you the coverage that you need. Oh and don’t forget to pay for it with a credit card.

Happy Shopping!