SPECIAL
EVENT INSURANCE
Who
needs another Expense when planning a Wedding? You
may. For a few hundred dollars, you can purchase
Special Event Insurance, which will protect you from
Liability and Loss. While your Venue may not Require
it, it would give you peace of mind if a Lawsuit or Property
Damage were to happen during your Reception or Event.
If
your venue does Require you carry a Special Event Rider
with them named as additional insured, you can have the
peace of mind to know that you won't start off your Marriage
in a court room over somebody who drank too much at your
Wedding and was involved in an Auto Accident. Maybe you
just discovered that the Bridal Salon holding your Dress
for final alterations went Bankrupt, and you cannot get
your Wedding Dress.
The
Caterer is nowhere to be found, and the event is Tomorrow.
If you live in an area where Natural Disasters happen
often, you may want to purchase the Insurance which will
refund a portion of your deposits should you need to
cancel or postpone your Wedding (the postponement or
cancellation needs to be beyond your control). It will
also cover you if an immediate family member takes ill.
The dollar amount of coverage is set by you... from $100,000
to millions of dollars.
Most Coverage can Include the Following:
• Liability
insurance to protect against bodily injury, property
damage or personal injury occurring at the reception.
• Coverage for repair or replacement of rented property used for the Reception,
such as for tents, seating or cooking equipment.
• Reimbursement of expenses for reassembling key participants in case something
goes wrong with the photographs, including coverage for videotape.
• Coverage to repair or replace jewelry. Protection against physical loss
or damage to special attire and gifts.
• Host Liquor Liability. If somebody drinks too much and crashes his or
her car and injures somebody, you will not be held liable for service of alcohol
to an obviously intoxicated individual.
The
premiums start at around $195 and you can take out the
coverage up to two years before the Wedding date. For
a detailed list of coverage, call 1-800-ENGAGED.
