We are over half way through the "25 Days of Christmas-Megasound-style" and my how time flies.
Through all of the decisions that take place in planning a wedding, most couples think little on the possibility that “something” might happen to delay, postpone, or even cancel their wedding. Even though the percentage is low, “things” do happen and in Indiana, the list is rather short on examples of natural problems (including power outages, rain, tornadoes, blizzards, and floods). A few Fort Wayne couples have had to postpone their dream wedding due to military deployments, family deaths, and financial hardships. And even fewer Indiana couples have cancelled their wedding for various reasons (including infidelity, arrests, and cold feet).
Keep in mind that once you sign a contract with a professional, you have reserved their products and/or services especially for your wedding date. The professionals who deal in perishable items (food, cakes, flowers, and other edible specialties) can not simply do “something” else with those consumable items if you cancel your event a couple of days before the wedding. If you postpone or cancel two or three weeks before your wedding, your band, DJ, church, photographer, videographers, and other can not simply call another bride that they turned away in the past and "refill" the date.
Of course, these are only a few examples if you (as the purchaser) delay, postpone, or cancel your wedding. Wedding insurance covers a lot more scenarios. Consider checking with your personal insurance for a rider on your policy (for wedding event insurance). Another company which specializes in wedding insurance is Wedsafe.com. Keep in mind that your wedding professionals' liability insurance only covers limited areas and does not cover claims where you postpone or cancel your wedding (even if it is beyond your control).
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There are two very disctinct types of wedding insurance policies:
1. Wedding/Event Cancellation.
2. Wedding & Event Liability.
Event Cancellation/Postponement provides coverage for certain unforeseen happenings that force the cancellation/postponement of the event. It also provides reimbursement for lost deposits for vendors who no-show, go bankrupt and other scenarios.
Special Event Wedding Liability provides defense and protection should the insured be charged with liability arising out of the wedding, such as an accident involving bodily injury or property damage. Many venues require this type of coverage.
Wedsafe and Private Event Insurance offer both types of coverage for weddings and many other special events.
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