Tuesday, August 17, 2010

Wedding Insurance Is The Best Back Up Plan

TEN RECEPTION WRECKERS NOT COVERED BY WEDDING INSURANCE: CLICK HERE
In this day and age, with so many people getting married and having weddings, it’s amazing that more and more of them aren’t getting some kind of wedding insurance to cover their investment. That’s exactly what it is, too: An investment. It is such an important day, it might be a wise move to protect yourself in case of an emergency. When asked, “How important is your wedding day to you?” Most couples respond with, “Very!” On a scale of 1 to 10, many couples will say, “An 11!”

The next question is, “Why is your wedding day so important?” Here are some reasons why people consider their wedding day so important and why they decided to purchase a wedding insurance policy.

It is a once in a lifetime event.
Even with the divorce rate at about fifty percent, most people go into their engagement and wedding as if it will only happen once. This is a good thing! Hopefully that will be the case and they won’t be having another wedding in their lifetime—unless it is their child’s marriage. Since this event only happens once (like your birth!), many couples will invest thousands of dollars into the day to make sure it is memorable and amazing. The average amount spent on this one day is at about $34,000. It is no wonder wedding insurance is a serious consideration!

All of your friends and family are in attendance.
A wedding is a time to get everyone together to celebrate an incredibly happy and important moment in the lives of these couples. Usually that means a lot of wedding guests, both friends and family, and that includes coworkers, too. A lot of special guests and kin may have even traveled great distances to be there! Many times, these family members haven’t gotten together for years. This makes it even more important that the occasion is outstanding.

The financial and time investment is tremendous.
Another reason why the day is so significant is the amount of time each couple spends planning their wedding day. The average time spent planning, researching, hiring, prepping, scheduling and shopping runs upward of 300 hours. Along with the $30,000+ investment, it is imperative the day is covered by wedding insurance.

These are the top three reasons why most people consider their wedding day to be one of the most important days of their lives. Just like their car, their home, and their life, people will insure the most important aspects of their lives. The best way to gain peace of mind and to know you’re covered in the event of catastrophe is to take out a simple wedding insurance policy.

Monday, June 7, 2010

Ten Reception Wreckers Not Covered By Wedding Insurance

One of the biggest worries for couples in regards to their wedding is that their reception is fun, which is something wedding insurance doesn’t cover! Specifically, they say that they want people to dance, but the reality is, as long as your friends and family enjoy themselves, you can consider your wedding a success—even if there’s no dancing. Here are 10 easily avoidable reception wreckers most couples, wedding coordinators, location consultants, and more never consider. One or two might not apply to your event, but I believe most will.

1. The bar is not in the same room as the rest of the reception.
This one is not an obvious problem, but it has a huge impact on your reception, which is why I list it at number 1. Many couples think having their bar in another room, out in the lobby or patio, or in some cases, down a long hallway, is a great idea because their guests can take a break from the reception room to go have a drink. The problem is half of your guests will be out of the room getting their drinks at potentially critical times like the toasts, first dance, and so on. An even bigger problem is half of your guests like to hang out at the bar and these are usually the fun, loud partying types. Now your reception is only half full and the obnoxious drunks aren’t even in the room. The solution is to make sure your location will put a bar in the room. You can have another bar elsewhere for overflow but having your main bar in the room will keep most of your guests there. And if they drink too much, the less walking they do, the less chance you’ll need wedding insurance to cover you.

2. The photographer takes the couple away at a critical time.
If this happens your guests may look around, see that you’re gone, and use this as an opportunity to take off. This is tough because sometimes the couple wants to get sunset pictures or something. If that’s the case do your best to get back quick! Otherwise, try to get all of your pictures finished before the reception dinner.


3. The couple get stuck talking to guests in the lobby.
If the bride and groom head off to the restroom, on the way back, some of their guests will inevitably catch them in the lobby and want to hug and talk and sometimes say goodbye. I know, using the bathroom can be a 30 minute ordeal for the bride, and that’s fine. My suggestion is, if guests want to talk to you for an extended period of time, have them follow you back in to the reception room and talk to you there. Hopefully your DJ isn’t playing the music so loud you’ll need a wedding insurance policy to cover eardrum repair. This way, your guests can see you haven’t left for your honeymoon and that you’re dying to go dance.

4. The cake cutting.
Some coordinators or DJ’s will schedule the cake cutting for late in the evening. This is fine if you’re having a mellow event with no dancing. If not, there are two problems with this. First, a lot of guests will already be gone so they don’t get a slice, leaving a lot of left over cake. Second, late in the night is when the dancing is usually going strong. You have to kill the music and turn up the lights, thereby killing the atmosphere. I suggest cutting the cake right after dinner. Don’t worry. People don’t leave because of the cake cutting. They leave because of were the cake cutting is scheduled. Also, who says, “Man, I can’t wait for that awesome cake cutting ceremony!”

5. There’s nothing going on during dinner.
If your friends and family are up and moving around, engaged in lively conversation, and having a blast during the meal, you should be fine. If not, your energy in the room is at a 2 and then when it’s time for level 10 fun, they can’t make that jump. Wedding insurance coverage won’t help you here. You’ll need to do something fun and engaging to get the buzz going in the rooms when dancing starts, they are ready to rock. Ask your DJ for some non-cheesy things to do or go to Wedding  Songs Timeline Planner for some great ideas.

6. The dance floor isn’t centralized.
Some locations will have the dance floor on one end of the room and all the tables filling up the rest of the space. When the guests at the tables that are furthest away from the dance floor hear a song they like, they may stay seated because of how far away they are. They also might miss some events being so far away. If you have 100 people or less you should be fine. If you have 150 or more, try to centralize the dance floor.

GREAT Save The Date Magnet Ideas, Invitation Wording Suggestions, & Save The Date Cards and Etiquette!

7. The dinner is served in one room, and the dancing is in another.
Really? Yes, some locations are set up like this. This causes the same issues as not having the bar in the same room. Plus, a lot of guests stay at their tables and if the rest of the party heads to the dance floor area, they are left out. There’s so many things wrong with this set up, avoid it at all costs.

8. The lights don’t get dimmed for dancing.
This is a small, but important factor. Sometimes people are shy and don’t want to dance if it’s too bright. This is easily remedied by asking the catering manager to dim the lights before dancing starts. Just make sure the lights aren’t so low that you’ll need wedding insurance coverage for when someone trips and hurts them self.

9. The entertainment is either bad or nonexistent.
Great music does not make your wedding fun. It’s the atmosphere leading up to the dancing. It’s important to hire a DJ or band that knows this! Don’t sacrifice on your wedding entertainment or you will be very sorry you did.

10. Wrong musical selection.
Playing the perfect music won’t have a big impact on the success of your wedding. You heard right. You can play just about anything if you follow the advice in this article. I’m referring to the wrong music in two ways. First, you play boring songs during dinner. Nobody wants to listen to two hours of classical, smooth jazz, or love songs. Make your music lively and fun and your party will follow. Second, make sure your DJ or band will play to the crowd. You don’t want 45 minutes of hardcore rap if no one is dancing to it.

Remember I’ve done weddings where people have said that it was the best wedding they’ve ever been to—and there was no dancing. Don’t focus on the dance floor. Direct your attention on getting your guests involved in fun and unique ways, and your wedding will be awesome. And remember, if these things mess up your reception, if you buy wedding insurance, it won’t kick in to allow you a new party.

Monday, May 31, 2010

Wedding Entertainment And Wedding Insurance

Whether you plan on hiring a band or a DJ, making sure they are covered by your wedding insurance policy is critical. One of the most important parts of your wedding day is your wedding entertainment. Of all of the aspects of your wedding, it is your wedding DJ or band that will either make or break the outcome of your reception. Think about it. Do people leave your party early because the flowers don’t exactly match with the rest of the d├ęcor? Do people get bored because they aren’t happy with how your wedding dress fits you? Will your guests start looking at their watches to see if it’s too early to leave because of the lighting, the cake, the appetizers, the linens, the style of tuxedos, or even the photographer? Of course not! But if the DJ is obnoxious or the band is not entertaining, you can bet people will be hurrying to tell you say congrats so they can head on home.

Having wedding insurance probably won’t cover you if your entertainment is awful, so that is why it’s important to be sure to hire true professionals in the first place. What is important is that your wedding DJ or band has wedding liability insurance. This will cover you in case one of their speakers falls on a guest or if the music is so loud it ruptures someone’s eardrum and they need surgery. I’m kidding here, but it would be awful if someone got hurt due to the entertainment.

One thing you can make sure of is that your wedding insurance policy will cover you if your DJ or band pulls a no-show, wreck their car on the way to the event, or if an important member flakes. Without your wedding entertainment, you might be able to use the house system to play some nice and quiet background music during dinner. After dinner, though, there wouldn’t be any dancing or fun so your wedding celebration would simply turn into a wedding dinner. Everyone would leave as soon as the cake was served. Having a wedding insurance coverage should allow you to recoup not only the money for the entertainment, but more for your guests leaving 3 hours early!

Another suggestion is to have a back up plan for your band or disc jockey. You probably can’t afford to have two separate DJ companies on hold for your date, nor could you book two different bands, but knowing where to go in case of an emergency is a good idea. While interviewing for your DJ or band, keep the contact information for all of the companies you contact. If it turns out your number one choice isn’t going to work out, you can call your other leads to see if they still have your date open. You can also look at your local associations, like the ADJA (American Disc Jockey Association) and keep their number handy. Some carry an emergency phone number just in case a DJ runs into issues and can’t make it to your event. Either way, your wedding insurance should kick in to cover your losses if you have problems with your entertainment.

Like I said earlier, your entertainment is the only part of your wedding that will either make your reception awesome or ruin it by being terrible or even barely having an impact. Hire the best you can find. In other words, this is the area you DO NOT want to skimp on! You can spend $100,000 on all the other aspects of your wedding, but if your DJ or band is bad, your guests will leave early and all that money will be going to waste. You can go cheap with your entertainment if you have wedding insurance, but why risk it?

Tuesday, May 18, 2010

The Evil Wedding Location Thwarted by...Wedding Insurance

Here’s a little narrative about a bride and groom who was very thankful they had wedding insurance for their nuptials. The day commenced just fine with the ceremony happening outside the main establishment at their garden ceremony site. Sure, it was by a busy avenue and quite a bit of traffic interference could be heard during the actual wedding but the bride and groom didn’t sound off about it. The ceremony was what it was.

As soon as the wedding was done everybody moved into the inside foyer for the pre-reception. The guests were drinking and eating and having a grand old time. This was, after all, an honoring, a celebration, and all the people we’re digging the whole scene. Some snacks might have been dropped, a beverage may have spilled a little somewhat. There were a few kids in attendance, too, so they make a little bit of a mess sometimes. There simply was not a thing not on key when it came to the hors d’oeuvres gathering. Nothing that would need any sort of wedding insurance from what they could tell.

The wedding attendees then went to the reception room for the eating and continued partying. The food was as good as it could be. This was, after all, a wedding and when feeding a couple hundred guests, it’s a challenge to actually cook up incredible food. Some would even say the food was bland and cardboard-like, but that really wasn’t important. What was significant was that all the newlywed’s family and friends were there to be with them and to celebrate their marriage! Wedding insurance was the farthermost thing from the newly married pair’s. The newlyweds were preoccupied with spending time and enjoying their loved ones and close friends. They weren’t visiting all the tables thinking, “Hmm, is all this covered by our wedding insurance policy?”

Moving on from the main course to dessert, the cake cutting followed, of course. At this point, not only had all the guests tilted back more than one glass, but so had the happily married pair. They were more than happy with the cake cutting and ended up not exactly being nice to each other. A little cake in his face, a little in hers, a little more up his nose, a little more up hers, etc. Well, some crumbs and frosting scattered on the carpet, but no one ground it into the rug and the newlyweds were sure one of the cleaning staff would have scooped it up right away. Besides, this probably happened more than one time in the past and even if the rug got a little stained, surely the location had wedding insurance coverage too.

Next—and after cleaning the smeared up frosting off of their faces—the newlyweds danced their first dance. All the friends and family members ooh’d and ahh’d during this special dance. After all the other special dances, like the parents and wedding party dances, all the guests got involved with the celebration. The disc jockey was a lot of fun and everyone danced and partied. During the bouquet toss, the bride tossed them too high the flowers actually hit the ceiling and bounced off of the roof! The bouquet ricocheted right in to the hands of the youngest bridesmaid. Of course, no one was injured by jumping for them so no need for wedding insurance once more! Possibly the bride and groom were wondering if they had wasted their money on a wedding insurance policy.

Now, at the end of the night, many of the guests had departed for the evening and the happy newlyweds were spent. They were overjoyed with the outcome of their ceremony and reception and they were even more thrilled that nothing bad happened to the point of having to have their wedding insurance coverage put to use. Surprisingly, no one from the ballroom or locale said goodbye. The security guard closed the doors behind them and their astounding ceremony and reception was over, only to be alive in their memories. They weren’t aware the wedding site owners had been victimizing young couples for months and months.

Two weeks after the wedding, the newlyweds got a bill from the owners of the reception hall purporting that there was damage caused to their place of business during their celebration. They said the gazebo was damaged by the minister. They said a table in the cocktail hour area had a beer spilled on it and was stained and messed up beyond repair. They had to locate a replacement. They stated that the stupid cake smashing that transpired destroyed that area of the rug and the entire carpet needed to be replaced. They said that when the bride tossed her bouquet, it scraped the ceiling and stained it, so that area and the entire room had to be repainted. The total price of all this to the renters came out to $24,000 was devastated. They had no idea what to do. They believed that they had to pay up or get taken to court, and we all know how much that costs. After speaking with their parents and other family members, it was the minister who reminded them about their wedding insurance. They got in touch with their wedding insurance carrier, who promptly opened up a case to investigate. The couple breathed a provisionary sigh of relief.

Several weeks lapsed and the newlyweds heard not a word and started to worry. They started getting an overview of their finances to see if they could somehow gather up enough dough that they were being asked to give up. Their wedding insurance agent finally called them and told them to come in for a little chat .

It turns out the managers of this wedding business had been making false claims on their bride and grooms for quite a while. Whenever they felt they needed something repaired or upgraded, they would blame the previous weekend’s wedding party. Lucky for them, most brides and grooms didn’t think they had any way out and whenever they tried to work out a deal, the wedding location proprietors would threaten them with litigation. Unknowingly, couples would just give them the money. negative issues caused by the couple’s event, but with an open case, the wedding insurance broker was able to inquire about and learn the truth. Not only did this couple not have to pay off the deplorable proprietors of the venue, but they saved any future embezzlement by these wedding crooks.

In this instance, conventional wear and tear would have been the conclusion and their wedding insurance would be free and clear of having to pay. And now, this couple and their wedding insurance company, are champions for sending those bad venue managers to the poor house. If they had never gotten wedding insurance, the victimization of couples would, like the energizer bunny, keep going, and going, and going.

Tuesday, May 11, 2010

Another Wedding Disaster Saved by Wedding Insurance!

Just this weekend, I was involved in an event that would have suffered greatly if it wasn’t for wedding insurance. With all the things that went wrong, it was a good thing they had coverage for this day.

First, just before the ceremony was about to start, the groom asked me why we were starting. My response was because we were already fifteen minutes behind. He told me his father wasn’t there yet! It seems the family sent the dad to the airport to pick up grandma who was flying in from Connecticut. Of course, the plane was delayed and now dad was approximately 15 minutes away. After about a thirty minute delay, I asked if the groom could call and see where his dad and grandma were. It turns out they were still fifteen minutes away because the freeway was completely jammed. It also turned out that one plane never made it out of Connecticut, so about 1/3rd of the grooms family wouldn’t even make it! I was wondering in the back of my mind if they had wedding insurance and wondering if they would be taking advantage of that coverage!

After about an hour delay, the dad and grandma show up! Hooray! Now we can get the ceremony started. Of course, the bride and the bridesmaids are not around, and several groomsmen are nowhere to be found. After frantically searching them all out, I got them back to the ceremony site. I got all the guests seated and ready to go. Then, low and behold, just before we’re about to walk down the isle, the power goes out! If this wedding is going to happen, with or without wedding insurance, it wouldn’t matter because there would be no music nor would there be any way to amplify the minister’s voice for all the guests to hear.

I approached the bride, who had an amazingly upbeat attitude, and asked if she wanted to push ahead and try to have the wedding. She asked what else we could do. I mentioned her wedding insurance policy and her eyes lit up, her cheeks got all rosy, and a huge smile crossed her face! She had forgotten she was covered. I told her that the circumstances that had befallen her on this day could be covered by her policy. The groom actually had a copy and it turned out that in the wedding insurance policy was a power outage stipulation. It had to be more than just a local single building and that was fine since it was a quarter of an entire grid that was out! The couple discussed the situation and decided they would rather postpone the wedding and get exactly what they wanted for the day instead of forging ahead and “settling.”

I announced to all the guests that the wedding wouldn’t be happening today due to the power outage, the delayed flights, and the fact the bride and groom didn’t want to see each other before the ceremony and unfortunately had to, due to all the circumstances. A collective shock befell all their faces. I also mentioned that the bride and groom would be able to reschedule this wedding because they had taken out a wedding insurance policy! Then I announced that it didn’t mean all that yummy food had to go to waste either! So I invited everyone to the reception area and everybody ate, drank and had a great time.

Thanks to this wedding insurance policy, the bride and groom were able to reschedule the entire wedding for the next day! It turns out their location was completely free that Sunday. Not only did they get their wedding exactly how they wanted it—and without the power outage—but all of the grooms relatives made it out of Connecticut, arrived late that evening and were able to attend the celebration the following day! As you can see, everything turned out amazingly well. But without wedding insurance, this day would have been a tragedy.

Thursday, May 6, 2010

Wedding Insurance and The Wedding Dress

Wedding Insurance and the Wedding Dress

If you are getting married sometime in the near future, one item to make room in your budget for would be wedding insurance. I know, not a terribly exciting part of your overall wedding planning, but if you really want to enjoy your wedding day, this is the item to pay attention to. Sure, it would more fun to focus on finding the perfect wedding dress, the best wedding DJ, or even the most awesome wedding venue, but if anything goes wrong with any of those previously listed items, it will all be for naught if your wedding day is not covered by some kind of wedding insurance.

Let’s say you find the perfect wedding dress. It fits you amazingly well and only needs a few minor adjustments. After going back to the dress shop for some final alterations you realize it’s not fitting as well as it did on the first day you tried it on. That’s okay because you have a couple of months before the big day arrives. Besides, a lot can change with your body in a couple of months. So, you leave the dress at the shop and decide you’ll go back for a final fitting about 3 weeks before your wedding day. You focus your attention on all the other mountain of details you need to handle (one of them not wedding insurance, of course) and stop worrying about the dress. Four weeks before your wedding day, it happens.

Here comes the rain again. Your bridal shop gets hit hard by the flooding rains sweeping into town. 24 inches of muddy, smelly water in the storage room wet everything from mid thigh down. Your perfect dress is now perfectly soaked, stained, and ruined. Now what do you do? I guess you could try to find a new dress, but odds are your heart will be broken and the new dress will pale in comparison to the “perfect” one. Sure, it’s a long shot of anything like this ever happening, but, then again, Nashville just recently got flooded out and if there are any bridal shops in Nashville, I bet there were a lot of unhappy brides throughout the city!

With a wedding insurance policy in place you would have a few options available to you depending on what kind of coverage you went for. The first option might be to do just what was mentioned earlier, that is, search and search for the next perfect wedding dress. Your wedding insurance should cover this expense, as it is not going to be tens of thousands of dollars. If you aren’t able to find a new dress, your next option may be to find a company that can repair your dress somehow. There have been a lot of new advancements in the world of dry cleaning, and if you take your ruined wedding dress to different shops, you might be able to repair the damage.

A third option is this: Many dresses are one of a kind, but some are produced in the hundreds or even thousands. You might get lucky and be able to find an exact replacement and with a few alterations, you’d still have your perfect dress.

And finally, the biggest option would be to postpone your wedding day. You’d have to have a very good and comprehensive wedding insurance plan to be able to cancel everything and start over, but it has happened in the past and will happen again in the future. You may be able to transfer some deposits to your new wedding date, but all that really matters is that you have the chance to try again. If it is a flash flood that ruins your dress, odds are the church and the reception hall has been affected by the same miserable flood. I know they will have some kind of wedding insurance to cover their losses. Will they be able to get back up and running in time for your wedding? If you’re covered, it won’t really matter, because you’d be able to wait until they are ready again.

This story is fictional, but as you can see, it’s not very far fetched. People spend so much money on this one special day. The average across the country sits right at about $34,000. That is a huge investment. Protecting should seem like a no-brainer, but people are always looking to save money and cut corners. Once a couple sets a budget, they do their best to stay within that budget. Unfortunately, just about every piece of their wedding ends up costing them more than they thought, sometimes a lot more. It is a rare miracle if something comes in under budget. There are wedding insurance policies for under $200 out there and although it might not cover you enough to redo your whole wedding, it’s better than rolling the dice and taking the chance that nothing bad will happen.

With the right policy in place, all your worries can be alleviated. Just the thought that you can get a do over for your wedding day should be enough to convince you that wedding insurance is not only a viable option, but almost a necessity.

Tuesday, April 27, 2010

The Sixth Part of the Six Part Wedding Insurance Policy

Finally, we've come to the last section of a sample wedding insurance policy!   This is a good section to review as it goes heavily into the limitations and percentages of what they will cover in the event that you have to cancel your wedding.  It also covers the timing of the cancellation and it's effect on your coverage.

SECTION III PRIVATE EVENT CANCELLATION INSURANCE CONDITIONS
A. Private Event Cancellation Insurance Property Coverage Loss Conditions
01. Abandonment
There can be no abandonment of any property to us.
02. Appraisal
If you and we fail to agree on the amount of loss, either may demand an appraisal of the loss. In this event, each party will choose and pay for a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose a competent and impartial umpire whose fee will be borne equally by the parties. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the applicant resides. Each party will pay its own costs. The appraisers will separately set the amount of loss. If
the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit there differences to the umpire. A decision agreed to by any two will set the amount of loss. If there is an appraisal we still retain the right to deny the claim on this wedding insurance policy in whole or in part.
03. Loss Payment
We will adjust and pay all covered losses with you except as provided below. We will pay you unless some other person is legally entitled to receive payment. Loss will be payable 60 days after we receive your proof of loss and:
a. reach an agreement with you; or
b. there is an entry of final judgment.
We may adjust and pay losses for covered property with the owners of that property, if other than you. If we pay the owners, such payment will satisfy your claims against us for the owner’s property. This wedding insurance will not pay the owners more than their financial interests in the covered property.
04. Privilege To Adjust With Property Owner
In case of damage or loss to Rented Property, we will adjust any claim with the owner of the property. If we pay the owner for the loss, that will satisfy our obligation to you and the Honoree under that coverage.
05. What You And/Or The Honoree Must Do After A Loss Occurs
If a loss occurs or if you or the Honoree know of any facts which may reasonably lead to a claim under this wedding insurance, you or the Honoree must do the following things:
a. Promptly, give us or our agent written notice. In case of theft, also notify the police.
b. Protect the property from further loss. At our request, allow us to inspect the damaged property.
c. Make all reasonable effort to find another place to hold the Private Event if the original premises is closed on the date of the Private Event.
d. Make all reasonable effort to buy or rent alternate Special Attire if the original attire is damaged beyond repair prior to the date of the Private Event.
e. If you, the Honoree or any Relative of you or the Honoree suffers a Bodily Injury which may cause the Private Event to be Canceled or Postponed, that person must seek medical care from a duly qualified medical doctor whose advice they shall follow. The injured person must:
(01) Authorize us to obtain copies of all medical records and reports; and
(02) Permit doctors of our choice to examine the injured person as often as we may reasonably require. We will pay the costs of such examinations.
If death results from the Bodily Injury, we shall be entitled to make a post mortem examination at our own expense.
f. If you or the Honoree make a claim under the Professional Counseling coverage, the person insured by this wedding insurance making the claim must:
(01) Authorize us to obtain copies of all medical and psychological records and reports; and
(02) Permit doctors of our choice to examine the insured person as often as we may reasonably require. We will pay the costs of such examinations.
g. Within 60 days after the Occurrence, give us a signed, sworn proof of the loss. We will provide you with the form. The proof of loss must include all of the following information:
(01) the time and cause of loss;
(02) a detailed list of the damaged or lost property, showing the quantity, cost and the amount of loss claimed; and
(03) copies of receipts supporting the costs and expenses which are claimed.
h. At our request submit to examinations under oath as often as we request, and sign the answers.
i. Make all reasonable effort to obtain necessary goods and services from alternate vendors, if the original vendors fail to perform.
B. Private Event Cancellation Insurance Personal Liability Coverage Loss Conditions
01. Duties In The Event Of An Occurrence, Offense, Claim Or Suit
If a claim is made or suit is brought alleging that you or the Honoree may be responsible for Bodily Injury, Property Damage or Personal Injury, you and the Honoree must see that the following duties are performed:
a. Promptly, give us or our agent written notice. Include:
(01) your and the Honorees’ name and the policy number;
(02) the date, place and circumstances that are the subject of the claim or suit;
(03) the name and address of anyone who might have a claim against you or the Honoree; and
(04) the names and addresses of any witnesses.
b. Send us any demand, notice or legal papers that relate to the claim or suit.
c. At our request, cooperate with us and assist us in any matter concerning the claim or suit on this wedding insurance coverage, including:
(01) enforcing any right of recovery against any person or organization who may be liable to you or the Honoree;
(02) attending any hearing or trial; and
(03) collecting and giving evidence and obtaining the attendance of witnesses.
You and the Honoree must not, except at your and the Honorees’ own expense, voluntarily pay any money, assume any obligation or incur any expense, other than for first aid to others at the time of the Occurrence.
02. Medical Payments To Injured Persons
If someone is injured, that person, or someone acting for that person, must do the following things to avoid breach of this wedding insurance:
a. Promptly give us written proof of the loss, if we request, this must be done under oath.
b. Authorize us to obtain copies of all medical records and reports.
c. Permit doctors of our choice to examine the injured person as often as we may reasonably require. We will pay the costs of such examinations.
We may pay the injured person or the provider of medical services. Payment under Personal Liability or Medical Payments
coverage is not an admission of liability by us, you or the Honoree.
C. Private Event Cancellation Insurance Coverage General Loss Conditions
01. Assignment Of Policy
Assignment of this wedding insurance policy or a claim will not be valid unless we give our written consent.
02. Bankruptcy
We are not relieved of any obligation under this policy because of your bankruptcy or insolvency.
03. Cancellation
a. You may cancel this policy at any time before the Private Event takes place if a claim has not been incurred. You may do so by returning the policy to us or by notifying us in writing, when at a future date, cancellation is to take effect.
b. If you cancel not less than 30 days before the date of the first Private Event, we will return premium based upon our short rate tables. If you cancel less than 30 days before the date of the first Private Event, we will not return any premium.
c. We may only cancel this wedding insurance policy for the reasons stated below by providing written notice of the cancellation date. Proof of mailing will be sufficient proof of notice. This cancellation notice may be delivered to you, or mailed to you at your mailing address shown on the Declarations.
(01) If you do not pay the premium, we may cancel by providing at least 10 days notice.
(02) If this policy has been in effect for 60 days or less, we may cancel for any reason allowed by law and will provide notice as reasonably practicable.
(03) If this policy has been in effect for more than 60 days, we may cancel by providing at least 30 days notice if there has been:
(a) a material misrepresentation of fact which if known to us would have caused us not to issue the policy;
(b) a substantial change in the risk since the policy was issued;
(c) a conviction of a crime arising out of acts increasing the hazard insured against;
(d) a discovery of fraud or material misrepresentation in obtaining the policy or in the presentation of a claim there under; or
(e) a discovery of willful or reckless acts or omissions increasing the hazard insured against.
d. When this wedding insurance policy is canceled, any unearned premium will be refunded pro rata within a reasonable time after the cancellation date.
e. If the return premium is not refunded with the notice of cancellation or when this policy is returned to us, we will refund it within a reasonable time after the date cancellation takes effect. But cancellation will be effective even if we have not made or offered a refund.
04. Change Of Location
If the date or location for the Private Event must be changed because the original premises will be closed on the date of the Private Event, this policy will apply to the new location and new date with no increase in premium. This is subject to the following:
a. No claim has been or will be made for cancellation expenses due to the closing of the original premises; and b. You must notify us as soon as practicable of the change in location and date.
05. Concealment Or Fraud
The entire wedding insurance policy will be void with respect to all Named Insureds, Honorees or insureds and all causes of loss if, whether before or after a loss, any Named Insured, Honoree or insured has:
a. Intentionally concealed or misrepresented any material fact or circumstance;
b. Engaged in fraudulent conduct; or
c. Made false statements relating to this insurance or during the presentation of a claim.
06. Conformity To State Statutes
If part of this policy does not comply with the laws of the state in which it is written, that part is amended to comply with those laws.
07. Coverage Changes
This policy contains all the agreements between you, the Honoree and us. Its terms may not be changed or waived except by endorsement issued by us. Our request for an appraisal or examination will not waive any of our rights by voiding this wedding insurance.
08. Currency
Unless we otherwise agree in writing, you will pay premiums and we will pay any loss due under this policy in United States currency.
09. Legal Action Against Us
No suit or action can be brought against us unless there has been full compliance with all the terms of this policy. In addition:
a. No suit or action can be brought against us under the “Private Event Cancellation Insurance Property Coverage” section of the policy unless the suit is started within two years after the date of the Occurrence.
b. No suit or action can be brought against us under the “Private Event Cancellation Insurance Personal Liability Coverage” section of the policy until your and the Honorees’ obligation to pay is finally determined either by judgment against you or the Honoree after actual trial, or by written agreement by you or the Honoree, the claimant and us.
c. No one shall have any right to make us a party to a suit to determine your or the Honorees’ liability.
10. Other Wedding Insurance
If both this insurance and other insurance apply to a loss, the following rules apply:
a. With respect to any loss we cover under the “Private Event Cancellation Insurance Property Coverage” section of this policy, this insurance is primary.
b. With respect to any loss we cover under the “Private Event Cancellation Insurance Personal Liability Coverage” section of this policy, this insurance is excess over and will not contribute with any other valid and collectible insurance available to you or the Honoree. But this does not apply to you or the Honoree if this coverage is indicated as primary on the Declarations page.
c. With respect to any additional insured we cover under the “Private Event Cancellation Insurance Personal Liability Coverage” section of this policy, this insurance is excess over and will not contribute with any other valid and collectible wedding insurance available to any additional insured.
11. Transfer Of Rights Of Recovery Against Others To Us
If you or the Honoree have rights to recover all or part of any payment we make under this policy, those rights become ours up to the amount we have paid. You and the Honoree must do nothing after an Occurrence to impair these rights. At our request, you and the Honoree will bring suit or transfer those rights to us and help us to enforce them. But this does not apply if Waiver Of Subrogation is indicated as “Covered” on the Declarations page.

To show that we agree to the terms of this policy, it has been signed for us by our Vice President and Secretary. But where countersignature is required by law, it shall not bind us unless the Declarations page is also signed by one of our duly authorized agents.

And add signature here, and voila! you're covered!  As you read through this section and the previous five sections, be sure to copy and paste any parts you find confusing or problematic.  Paste them into a word document and ask your insurance company agent to review what you've compiled.  This should help clear up any misconceptions.

Thanks for reading through these posts and I hope that I've helped you as you decide and search for wedding insurance coverage!  ♥Bonita

Friday, April 23, 2010

Number Five of Six Parts: A Wedding Insurance Policy Example

Moving on to part five of a sample wedding insurance policy!

SECTION II PRIVATE EVENT CANCELLATION INSURANCE PERSONAL LIABILITY COVERAGE

A. Personal Liability And Medical Payments To Others Coverage

01. Personal Liability Coverage
You and the Honoree have this coverage only if a limit of insurance is shown for it on the Declarations page. We will pay up to the limit of insurance all sums you or the Honoree become legally responsible to pay as damages due to an Occurrence:

(01) that takes place during the course of the Private Event and within the Policy Territory; and

(02) that results in Bodily Injury, Property Damage or Personal Injury.
a. Our Duty To Defend
We will defend any claim brought against you or the Honoree seeking damages that are covered under this wedding insurance coverage of the policy. We will do this even if the allegations of the claim are groundless, false or fraudulent. We may, at our discretion, investigate and settle any such claim. Our right and duty to defend claims covered under this coverage of the policy ends when we have used up the applicable limit of insurance in the payment of judgments or settlements.
b. Exclusions-What We Do Not Cover Under Personal Liability Coverage

(01) Abuse Or Molestation
We do not cover Bodily Injury or Personal Injury that arises out of the actual or threatened sexual abuse, sexual molestation, sexual harassment, corporal punishment, physical abuse or mental abuse by anyone.

(02) Aircraft/Watercraft/Vehicles
We do not cover Bodily Injury, Property Damage, or Personal Injury arising out of the ownership, maintenance, use, loading, unloading, or entrustment to others of:
(a) any aircraft;
(b) any watercraft; or
(c) any motorized land vehicle, including attached trailers.

(03) Amusement Device
This wedding insurance policy does not cover Bodily Injury, Property Damage or Personal Injury arising out of the ownership, maintenance, use, loading, unloading or entrustment to others of any mechanical, inflatable or motorized amusement device.

(04) Aquatic Activities
We do not cover Bodily Injury, Property Damage or Personal Injury arising out of any aquatic activities or event.

(05) Athletic Activities
We do not cover Bodily Injury or Personal Injury to any person while practicing, instructing or participating in any physical exercises, games, sports or athletic activities, contest or event, whether or not the activity, contest or event is:
(a) public or private;
(b) formal, informal or spontaneous;
(c) organized or unorganized; or
(d) pre-planned, planned, not planned or incidental.
Athletic or sport activity includes but is not limited to:
(a) bicycling
(b) bungee jumping
(c) climbing
(d) equestrian activity
(e) hiking
(f) ice skating
(g) paint ball
(h) roller skating
(i) skate boarding
(j) trampoline

(06) Breach Of Contract
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of a breach of ths wedding insurance contract.

(07) Contractual Liability
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of any liability assumed by you or the Honoree under any contract or agreement. But this exclusion does not apply to:
(a) liability assumed by you or the Honoree in an Insured Contract; or
(b) liability you or the Honoree would have in the absence of the contract or agreement;
subject to the sub-limit shown under Contractual Liability on the Declarations page. This sub-limit is the most we will pay for both loss and loss adjustment expense and is included within and not in addition to the Personal Liability limit of insurance.

(08) Defect In Premises
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of a latent defect or patent defect in the Private Event Site, or other physical characteristics or conditions of the Private Event Site which contribute to or give rise to Bodily Injury, Property Damage or Personal Injury or alleged to have caused Bodily Injury, Property Damage or Personal Injury. But this does not apply if Defect In Premises is indicated as “Covered” on the Declarations page of this wedding insurance policy.

(09) Discrimination
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of discrimination due to age, race, color, sex, religion, national origin, sexual preference, or physical handicap.

(10) Expected Or Intended Injury Or Damage
We do not cover the liability of anyone for Bodily Injury, Property Damage or Personal Injury which is expected or intended from the standpoint of that person.

(11) Fines Or Penalties
We do not cover liability for fines, penalties, liquidated damages or punitive damages.

(12)Fireworks_Or_Pyrotechnics
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of pyrotechnics, rocketry or the manufacture, use, display or sale of Fireworks.

(13) Injury To You Or The Honoree
We do not cover under this wedding insurance policy Bodily Injury, Property Damage, or Personal Injury to you, the Honoree or any other Named Insured.

(14) Known False Statements
We do not cover Personal Injury that arises out of oral or written publication of material, if done by or at the direction of you or the Honoree with knowledge of its falsity.

(15) Liquor Liability
We do not cover Bodily Injury or Property Damage for which any person may be held liable by reason of:
(a) causing or contributing to the intoxication of any person;
(b) the furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or
(c) violation of any law or regulation relating to the sale, gift, distribution or use of alcoholic beverages. But this exclusion applies via this wedding insurance policy only if you are in the business of manufacturing, distributing, selling or furnishing alcoholic beverages.

(16) Nuclear Action Or War
We do not cover Bodily Injury or Property Damage caused directly or indirectly by Nuclear Action or War.

(17) Other Premises
We do not cover Bodily Injury, Property Damage or Personal Injury arising out of any premises other than the premises where the Private Event is to take place.

(18) Pollution
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of the presence of or the actual, alleged or threatened release, discharge, escape, dispersal, seepage or migration of Pollutants. But this does not apply to Bodily Injury, Property Damage or Personal Injury caused by heat, smoke or fumes from a Hostile Fire.

(19) Professional Services
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of the rendering or failure to render Professional services within this wedding insurance coverage.

(20) Property In The Care, Custody Or Control Of You Or The Honoree
We do not cover Property Damage to property in the care, custody or control of you or the Honoree. But this does not apply to Property Damage to the premises (including fixtures and contents) which you or the Honoree temporarily hire as the site where the Private Event is to take place.

(21) Property Sold Or Rented By Or For You Or The Honoree
We do not cover Property Damage to any goods or other property sold, loaned, rented, supplied, delivered, installed or erected by or for you or the Honoree. Such property includes, but is not limited to:
(a) Rented Property;
(b) Special Attire; or
(c) jewelry

(22) Publication Prior To Inception Of The Wedding Insurance Policy
We do not cover Personal Injury that arises out of oral or written publication of material whose first publication took place before the inception date of this policy.

(23) Suits Between Insureds
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of any claim or suit brought by one or more insureds against any other insureds.

(24) Vendor Acts Or Omissions
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of an act or omission by any Vendor.

(25) Vendor Bodily Injury
We do not cover Bodily Injury or Personal Injury to any Vendor. But this provision in this wedding insurance policy does not apply if Vendor Bodily Injury is indicated as “Covered” on the Declarations page.

(26) Weapons
We do not cover Bodily Injury, Property Damage or Personal Injury that arises out of the ownership, maintenance, use or entrustment to others of any firearms or other weapons.

(27) Willful Violation Of Statute
We do not cover Personal Injury that arises out of the willful violation of a penal statute or ordinance committed by or with the consent of you or the Honoree.

(28)Workers’ Compensation
We do not cover Bodily Injury to any person eligible to receive any benefits required to be provided outside of this wedding insurance policy or voluntarily provided under any workers’ compensation, non-occupational disability or occupational disease law.

02. Medical Payments To Others Coverage
You and the Honoree have this coverage only if a limit of insurance is shown for it on the Declarations page. Wedding insurance will pay Medical Expenses that result from Bodily Injury caused by an accident if:
a. the accident takes place during the course of the Private Event and in the Policy Territory;
b. the Bodily Injury is covered under the “Personal Liability Coverage” of this section of the policy;
c. the Medical Expenses are incurred and reported to us within one year of the date of the accident; and
d. the injured person submits to examination, at our expense, by physicians of our choice, as often as we reasonably require.
This coverage does not apply to you, the Honoree, or to any Relative of you or the Honoree. Each other person who sustains Bodily Injury while attending the Private Event is entitled to this coverage.

03. Additional Payments
If the Declarations show a limit for Personal Wedding Liability Coverage, in addition to the limits of insurance, we will pay:
a. all costs we incur in the settlement of any claim or the defense of any suit brought against you or the Honoree;
b. interest on damages awarded in any suit we defend accruing after judgment is entered and before we pay or tender or deposit in court, the amount for which we are liable under the policy;
c. premiums on appeal and attachment bonds required in any suit we defend. However, we will not pay the premium for attachment bonds if the bond amount is more than our limit of wedding insurance. We have no obligation to apply for or furnish bonds;
d. any other reasonable expenses you or the Honoree incur at our request;
e. expenses you or the Honoree incur for first aid to other persons at the time of the Occurrence for Bodily Injury covered under this policy. We will not pay for first aid to you, the Honoree, or to any Relative of you or the Honoree; and
f. loss of earnings up to $100 per day, but not other income, when we ask you or the Honoree to attend trials and hearings.

B. Limits Of Insurance
Regardless of the number of injured persons, claims made or property damaged, our liability is limited as follows:

01. The limit of insurance shown in the Declarations for “Personal Liability Coverage” is the most we will pay for the sum of:
a. all damages because of Bodily Injury and Property Damage that arise out of all Occurrences during the Policy Period; and
b. all damages because of Personal Injury that arise out of all offenses committed during the Policy Period.

02. The limit of wedding insurance shown in the Declarations for “Medical Payments To Others” is the most we will pay for all Medical Expenses payable for Bodily Injury to any one person.

C. Property Damage Deductible
From the total of all damages due to Property Damage to premises that arise out of any one Occurrence and result from any cause other than fire or explosion, we shall deduct the amount shown in the Declarations as “Property Damage Liability Deductible”.

D. Private Event Site Liability Coverage
This wedding insurance coverage option provides liability insurance coverage for a Private Event Site Insured, subject to the definitions, terms, exclusions, conditions and limits of liability of this policy. This optional coverage does not increase the limits of liability of this policy. The Private Event Site Insured has this coverage only if it is indicated as “Covered” on the Declarations Page.

01. What We Will Pay Under Private Event Site Liability Coverage
We will pay up to the limit of insurance all sums the Private Event Site Insured becomes legally responsible to pay as damages due to an Occurrence:
a. that takes place during the course of the Private Event and within the Policy Territory; and
b. that results in Bodily Injury, Property Damage or Personal Injury.
The wedding insurance liability coverage provided to a Private Event Site Insured applies only to liability arising out of the sole negligence of you or the Honoree.

02. Our Duty To Defend
We will defend any claim brought against the Private Event Site Insured seeking damages that are covered under the “Personal Liability Coverage” under this section of the policy. We will do this even if the allegations of the claim are groundless, false or fraudulent. We may, at our discretion, investigate and settle any such claim. Our right and duty to defend claims covered under this coverage of the policy ends when we have used up the applicable limit of wedding insurance in the payment of judgments or settlements.

03. Exclusions-What We Do Not Cover Under Private Event Site Liability Coverage
In addition to exclusions (01) through (28) of the “Personal Liability Coverage” section of this policy, the following exclusions also apply:
a. We do not cover Bodily Injury, Property Damage or Personal Injury arising out of a negligent act, error or omission of the Private Event Site Insured, its employees or agents.
b. We do not cover any Private Event Site Insured against Bodily Injury to any employee of the Private Event Site Insured arising out of or in the course of their employment by the Private Event Site Insured or performing duties relating to the business of the Private Event Site Insured.

This part of the policy talks extensively about you, the client, making sure you take care of yourself before your wedding! This is incredibly good advice, since if you injure yourself doing something completely ridiculous, you will possibly forfeit any claim you have on your policy. Always review your wedding insurance policy thoroughly before doing anything crazy!

Wednesday, April 14, 2010

Wedding Insurance Sample Policy, Part Four of Six

Finally, here’s part 4 of a wedding insurance policy! This section discusses coverage for deposits and for “counseling” which I believe refers to wedding consultation from a wedding coordinator.

08. Loss Of Deposits Coverage
You and the Honoree have this coverage only if a limit of insurance is shown for it on the Declarations page. We cover the deposits you or the Honoree have paid in connection with the Private Event if they become non-refundable as a direct result of anyone hired to provide goods or services for the Private Event going out of business prior to the Private Event date.
a. What We Will Pay Under Loss Of Deposits Coverage
We will pay, up to the limit of insurance, the following deposits you or the Honoree have paid in connection with the Private Event which you or the Honoree cannot have refunded by anyone hired to provide goods or services:
(01) deposits required to rent the premises where the Private Event was to be held;
(02) deposits required for transportation such as limousines and air fares in connection with the Private Event;
(03) deposits required for Professional catering services;
(04) deposits required for hotel accommodations in connection with the Private Event;
(05) deposits required for the Professional photographer, Professional videographer, Professional musicians or other Professional entertainment and Professional florist in connection with the Private Event;
(06) deposits required for Rented Property;
(07) deposits required for the Professional dressmaker, Professional tailor and deposits required to rent Special Attire;
(08) deposits required for Jewelry;
(09) if the Private Event is a wedding, deposits required for transportation including airfares, hotel accommodations and cruise ship accommodations in connection with the honeymoon.
b. Exclusions-What We Do Not Cover With Wedding Insurance Under Loss Of Deposits Coverage
(01) Cancellation Or Postponement
We do not cover the loss of deposits which are covered under or which have been paid under Section I A. 01. Cancellation Or Postponement Coverage.
(02) Gifts
We do not cover the loss of deposits for Gifts if any claim has been or will be made under Section I A. 04. Gifts Coverage.
(03) Jewelry
We do not cover the loss of deposits for Jewelry if any claim has been or will be made under Section I A. 07. Jewelry Coverage.
(04) Nuclear Action Or War
We do not cover the loss of deposits caused by Nuclear Action or War.
(05) Photographs And Video Recording
We do not cover the loss of deposits for the Professional photographer or the Professional videographer if any claim has been or will be made under Section I A. 03. Photographs And Video Recording Coverage.
(06) Rented Property
We do not cover the loss of deposits for Rented Property if any claim has been or will be made under Section I A. 05. Rented Property Coverage.
(07) Special Attire
We do not cover the loss of deposits for Special Attire if any claim has been or will be made under Section I A. 06. Special Attire Coverage.
09. Professional Counseling Coverage
You and the Honoree have this wedding insurance coverage only if a limit of insurance is shown for it on the Declarations page. We cover the expenses you or the Honoree necessarily incur for Professional counseling if the Private Event is Canceled or Postponed for a covered cause of loss.
a. What We Will Pay Under Professional Counseling Coverage
We will pay, up to the limit of insurance, the expenses you or the Honoree necessarily incur for Professional counseling as a result of emotional distress because the Private Event is Canceled or Postponed.
b. Exclusions-What We Do Not Cover Under Professional Counseling Coverage
(01) We do not cover the cost of Professional counseling unless it has been prescribed by a medical physician.
(02) We do not cover the cost of Professional counseling for more than 180 days from the date the Private Event is Canceled or Postponed.
(03) We do not cover the cost of Professional counseling unless the cancellation or postponement of the Private Event is covered by this policy.
B. Limits Of Wedding Insurance
Regardless of the number of claims made, the amount shown in the Declarations as the limit of insurance for each separate coverage is the most we will pay in the aggregate for all claims or losses involving that coverage that arise from all Occurrences during the Policy Period.
C. Deductible
From the total of all expenses or losses arising out of any one Occurrence, we shall deduct the amount shown in the Declarations as “Deductible”. The deductible shall apply separately to each coverage.

We will continue with section five next time. This policy is a basic and standard example of what may or may not be covered with your particular wedding insurance policy.

Wednesday, March 24, 2010

Wedding Insurance, A Sample Policy, Part Three

Wedding insurance. Moving on to part 3 of a wedding insurance sample. This particular section talks about gifts and rented property coverage, among other items. When you get insurance for wedding coverage, there are so many things to consider.

04. Gifts Coverage
You and the Honoree have this coverage only if a limit of insurance is shown for it on the Declarations page. We cover Gifts against physical loss or damage that results during the Policy Period, from a cause of loss not excluded while the Gifts are within the Policy Territory.
a. What We Will Pay Under Gifts Coverage
We will pay the full cost to repair or replace the lost or damaged property, without deduction for depreciation. The most we will pay for any lost or damaged item shall not exceed the lesser of:
(01) the cost of a new item identical to the one damaged or destroyed; or
(02) when an identical item is no longer manufactured or is not available, a new item of comparable quality and usefulness; or
(03) 10 percent of the total limit for Gifts.
b. Exclusions-What We Do Not Cover Under Gifts Coverage
(01)Breakage Or Scratching
We do not cover via wedding day insurance loss or damage by breakage, marring or scratching of Gifts that are statuary, marble, glass, china, porcelains, furniture or other fragile items. But this does not apply if the damage is the direct result of:
(a) fire, explosion or smoke;
(b) lightning, windstorm, hail, earthquake or flood;
(c) aircraft, spacecraft, self-propelled missiles, or objects that fall from any of these;
(d) vehicles of any kind;
(e) strikes, riots, civil commotion or vandalism;
(f) theft or attempted theft which is reported to the wedding insurance policy within 24 hours of the discovery;
(g) sprinkler leakage; or
(h) collapse of buildings.
(02) Electrical Current
We do not cover loss or damage to Gifts that are electrical devices (including their wiring or electronic circuitry) caused by electrical current, other than lightning, unless fire or explosion results.
(03) Mechanical Breakdown
We do not cover loss or damage to Gifts caused by breakdown or failure, unless a fire or explosion results.
(04) Nuclear Action Or War
We do not cover loss or damage to Gifts caused by Nuclear Action or War.
(05) Ordinary Causes
We do not cover loss or damage to Gifts caused by:
(a) wear or tear, gradual deterioration or inherent vice;
(b) insects, moths or vermin; or
(c) wetness or dryness of atmosphere, freezing or extremes of temperature.
(06) Repair Of Fine Arts
This wedding insurance policy does not cover loss or damage to Gifts that are fine arts caused by any repair, restoration or retouching process.
(07) Repair Processes
We do not cover loss or damage to Gifts caused by any process to repair, adjust, service or maintain the property unless a fire or explosion results.
(08) Theft From An Unattended Vehicle
We do not cover loss or damage to Gifts caused by theft from an unattended vehicle. But this does not apply if at the time of the loss:
(a) the Gifts were contained in a fully enclosed, locked and secured body or compartment of the vehicle; and
(b) the vehicle had an audible alarm which was fully operational and “armed”; and
(c) there are visible signs of forced entry requiring repair to the vehicle; and
(d) the theft is reported to the police within 24 hours of the discovery.
05. Rented Property Coverage
You and the Honoree have this coverage only if a limit of insurance is shown for it on the Declarations page. This wedding insurance policy will cover Rented Property against physical loss or damage that results during the Policy Period from a cause of loss not excluded while the Rented Property is within the Policy Territory and in the care, custody or control of you or the Honoree.
a. What We Will Pay Under Rented Property Coverage
We will pay the cost to repair or replace the lost or damaged Rented Property. The most we will pay for any lost or damaged item shall not exceed the actual cash value of the item at the time of loss.
b. Exclusions-What We Do Not Cover Under Rented Property Coverage
(01) Delay Or Loss Of Market
We do not cover loss or damage to Rented Property caused by delay, loss of market, loss of use, or interruption of business.
(02) Dishonesty
We do not cover via wedding venue insurance loss or damage to Rented Property caused by any dishonest act committed at any time by;
(a) you;
(b) the Honoree;
(c) any person in the employ or service of you or the Honoree; or
(d) any person, other than carriers for hire, to whom the Rented Property was entrusted.
(03) High Valued Items
We do not cover loss or damage to any item of Rented Property with an actual cash value of $1,000 or more unless that item is specifically scheduled on this policy.
(04) Mechanical/Electrical Breakdown
We do not cover loss or damage to Rented Property caused by mechanical or electrical breakdown or failure, unless a fire or explosion results.
(05) Mysterious Disappearance
We do not cover loss or damage to Rented Property caused by unexplained loss, mysterious disappearance, or shortage disclosed upon taking inventory.
(06) Neglect Of Insured
We do not cover loss or damage to Rented Property that results because you or the Honoree fail to exercise ordinary care in protecting the Rented Property from loss.
(07) Nuclear Action Or War
We do not cover loss or damage to Rented Property caused by Nuclear Action or War.
(08) Ordinary Causes
We do not cover loss or damage to Rented Property caused by:
(a) wear or tear, gradual deterioration or inherent vice;
(b) insects, moths or vermin; or
(c) wetness or dryness of atmosphere, freezing or extremes of temperature.
(09) Theft From An Unattended Vehicle
We do not cover loss or damage to Rented Property caused by theft from an unattended vehicle. But this does not apply to the wedding insurance coverage if at the time of the loss:
(a) where applicable, the Rented Property was contained in a fully enclosed, locked and secured body or compartment of the vehicle; and
(b) where applicable, the vehicle had an audible alarm which was fully operational and “armed”; and
(c) where applicable, there are visible signs of forced entry requiring repair to the vehicle; and
(d) the theft is reported to the police within 24 hours of the discovery.
06. Special Attire Coverage
You and the Honoree have this coverage only if a limit of insurance is shown for it on the Declarations page. We cover Special Attire against physical loss or damage that results during the Policy Period by a cause of loss not excluded while the Special Attire is within the Policy Territory.
a. What We Will Pay Under Special Attire Coverage
We will pay the full cost to repair or replace the lost or damaged Special Attire, without deduction for depreciation. The most the wedding insurance will pay for any lost or damaged item shall not exceed:
(01) the cost of a new item identical to the one damaged or destroyed; or
(02) when an identical item is no longer manufactured or is not available, a new item of comparable quality and usefulness.
b. Exclusions-What We do Not Cover Under Special Attire Coverage
(01) Nuclear Action Or War
We do not cover loss or damage to Special Attire caused by Nuclear Action or War.
(02) Ordinary Causes
We do not cover loss or damage to Special Attire caused by atmospheric or climatic conditions, alterations, process
or cleaning, restoration, repair, moth, vermin, wear or tear, gradual deterioration or inherent vice.
(03) Theft From An Unattended Vehicle
We do not cover loss or damage to Special Attire caused by theft from an unattended vehicle. But this does not apply with your wedding planning insurance if at the time of the loss:
(a) the Special Attire was contained in a fully enclosed, locked and secured body or compartment of the vehicle; and
(b) the vehicle had an audible alarm which was fully operational and “armed”; and
(c) there are visible signs of forced entry requiring repair to the vehicle; and
(d) the theft is reported to the police within 24 hours of the discovery.
07. Jewelry Coverage
You and the Honoree have this wedding insurance coverage only if a limit of insurance is shown for it on the Declarations page. We cover the items of jewelry scheduled in this policy which you or the Honoree own against physical loss or damage which results during the Policy Period from a cause of loss not excluded while the jewelry is within the Policy Territory.
a. What We Will Pay Under Jewelry Coverage
We will pay the full cost to repair or replace the lost or damaged jewelry, without deduction for depreciation. Our maximum liability for any lost or damaged item shall not exceed the amount shown in the schedule for that item. In case of loss of any item that is part of a pair or set, we will pay the amount shown in the schedule for the set upon surrender of the remaining items of the set to us.
b. Exclusions-What We Do Not Cover Under Jewelry Coverage
(01) Nuclear Action Or War
We do not cover loss or damage to jewelry caused by Nuclear Action or War.
(02) Ordinary Causes
We do not cover loss or damage to jewelry caused by wear or tear, gradual deterioration or inherent vice.
(03) Theft From An Unattended Vehicle
We do not cover loss or damage to jewelry caused by theft from an unattended vehicle. But this does not apply if at the time of the loss:
(a) the jewelry was contained in a fully enclosed, locked and secured body or compartment of the vehicle; and
(b) the vehicle had an audible alarm which was fully operational and “armed”; and
(c) there are visible signs of forced entry requiring repair to the vehicle; and
(d) the theft is reported to the police within 24 hours of the discovery.

We’ll be moving onto part 4 of this series next. As you read through this sample, take notes on the sections you might have questions on, so when you contact your insurer, you’ll be ready to discuss any issues you might have in regards to your wedding insurance policy.
wedding insurance

Tuesday, March 23, 2010

Part 2 of a Wedding Insurance Policy Sample

Here’s part 2 of 6 parts of a sample wedding insurance policy.

SECTION I PRIVATE EVENT CANCELLATION INSURANCE PROPERTY COVERAGE
A. Property Coverage
01. Cancellation Or Postponement Coverage
We cover the nonrefundable expenses you or the Honoree have incurred in connection with the Private Event if it must be Canceled or Postponed as a result of a cause of loss not excluded.
a. What We Will Pay Under Cancellation Or Postponement Coverage
We will pay, up to the limit of wedding insurance, the following costs you or the Honoree incurred in connection with the Private_Event up to the time it was Canceled or Postponed, and which you or the Honoree cannot have refunded by
the vendor:
(01) costs to rent the premises where the Private Event was to be held;
(02) transportation costs, such as limousines and air fares incurred in connection with the Private Event;
(03) cost of Professional catering services;
(04) cost of hotel accommodations incurred in connection with the Private Event;
(05) Professional photographers’ fees, Professional musicians’ fees and Professional florists’ fees;
(06) Professional dressmakers’ fees, Professional tailors’ fees and cost to rent Special Attire. But we will not pay dressmakers’ fees or tailors’ fees for any Special Attire which is retained by you, the Honoree, or any attendants of the Honoree;
(07) if the Private Event is a wedding, cost of transportation and hotel accommodations or any similar non-refundable costs incurred in connection with the honeymoon; and
(08) any similar nonrefundable costs you or the Honoree incur in connection with the Private Event.
b. Exclusions-What We Do Not Cover Under Cancellation Or Postponement Coverage
(01) Advice Of Physician
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to Bodily Injury to any person if the Private Event was scheduled against the advice of that person’s medical doctor. But this does not apply if the Bodily Injury was not related to the condition that led to the advice.
(02) Bodily Injury
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to Bodily Injury to any person caused by or resulting from:
(a) a self inflicted injury;
(b) the use of alcohol or drugs;
(c) insanity of any person;
(d) military operations of any kind;
(e) aircraft. But this does not apply to Bodily Injury to a fare paying passenger of a regularly scheduled aircraft;
(f) taking part in any hazardous sport or activity, including but not limited to;
(aa) hunting;
(bb) skiing or sledding;
(cc) racing of vehicles of any kind;
(dd) skin diving or sky diving;
(g) a pregnancy which began before the inception date of this policy. But this does not apply if the expected delivery date is more than 60 days after the date the last Private Event, as shown on the Declarations page, is scheduled to take place.
(03) Criminal Conduct
We do not cover any expenses incurred if the Private Event is Canceled or Postponed because you or the Honoree are arrested or imprisoned for any criminal activity.
(04) Death From Known Circumstances
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to the death of anyone who was diagnosed as terminal prior to the application date of this policy. But this does not apply if death resulted from a cause not related to the diagnosis.
(05) Decisions Of You Or The Honoree
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to a decision by you or the Honoree not to proceed with or take part in the Private Event or any accompanying ceremony or ritual. But this does not apply to Change Of Heart by an Honoree if all of the following conditions have been met:
(a) the person(s) responsible for financing the Private Event are not the Honoree and had no prior knowledge of a pending Change of Heart by the Honoree;
(b) the Private Event is Canceled no less than the number of days shown under the Change of Heart coverage on the Declarations page prior to the date the first Private Event, as shown on the Declarations page, is scheduled to take place; and,
(c) A limit is shown for Change of Heart coverage on the Declarations page.
The amount we will pay for Change of Heart coverage is included within and is not in addition to the Cancellation Or Postponement limit of wedding insurance.
(06) Failure To Notify
We do not cover any expenses incurred because you or the Honoree fail to notify, as soon as practicable, any vendor hired to provide goods or services for the Private Event that it has been Canceled or Postponed.
(07) Known Circumstances
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to circumstances which you or the Honoree knew at the time you applied for this policy were likely to cause the Private Event to be Canceled or Postponed.
(08) Lack Of Funds
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to lack of funds. But this does not apply when the lack of funds is caused by the unexpected unemployment of you or the Honoree and the unemployment qualifies or will qualify for the payment of state unemployment compensation. The unemployment
must have occurred after this policy was issued.
(09) Nonappearance Or Unavailability
Subject to items (01) through (08) above and items (10) through (15) below, we do not cover any expenses incurred if the Private Event is Canceled or Postponed due to the nonappearance or unavailability of any person. But this exclusion does not apply to you, the Honoree, the Immediate Family of the Honoree, the person engaged to perform the ceremony or ritual, and if the Private Event is a wedding or a Commitment Ceremony, any attendants of the Honoree.
(10) Nuclear Action Or War
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to Nuclear Action or War.
(11) Regulation Or Law
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to any regulation or law of any local, state or federal authority.
(12) Riot Or Civil Commotion
We do not cover any expenses via wedding insurance incurred if the Private Event is Canceled or Postponed due to civil commotion or riots. But this does not apply if a civil authority:
(a) forbids all access to the area where the Private Event is to take place, as long as you and the Honoree have made all reasonable efforts to find another place to hold the Private Event; or
(b) limits access of all persons to the area in such a way that the Private Event cannot be held as planned, as long as you and the Honoree have made all reasonable efforts to find another place to hold the Private Event.
(13) Strikes Or Lockouts
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to strikes or lockouts. But this does not apply to strikes or lockouts which take place at the premises where the Private Event is to take place which prevent the Private Event from taking place, as long as you and the Honoree have made all reasonable efforts to find another place to hold the Private Event.
(14) Vendor Acts & Omissions
We do not cover any expenses incurred via wedding insurance if the Private Event is Canceled or Postponed due to acts or omissions of anyone hired to provide goods or services for the Private Event. But this does not apply to acts or omissions committed:
(a) by the person who was engaged to perform the ceremony or ritual which is part of the Private Event which prevent the Private Event from taking place;
(b) by the person or entity from whom you or the Honoree hired the premises where the Private Event was to take place which prevent the use of such premises for the event; or
(c) by the person or entity from whom you or the Honoree hired the Professional catering services for the Private Event; as long as you and the Honoree have made all reasonable efforts to arrange for other services or to find another place to hold the Private Event.
(15) Weather Conditions
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to weather conditions. But, if the inception date of this policy is at least 14 calendar days prior to the date the first Private Event, as shown on the Declarations page, is scheduled to take place, this exclusion will not apply to Extreme Weather Conditions which:
(a) prevent you, the Honoree, the Immediate Family of you or the Honoree, the person who was engaged to perform the ceremony or ritual which is part of the Private Event, or if the Private Event is a wedding or a Commitment Ceremony, any attendants of the Honoree, or more than 50 percent of the guests from reaching the premises where the Private Event is to take place; or
(b) damage to the premises where the Private Event is to take place, preventing them from being used for the event, and you and the Honoree have made all reasonable efforts to find another place to hold the event.
02. Additional Expense Coverage
We cover the additional expenses over and above the original invoice cost via wedding insurance that you or the Honoree incur:
a. to arrange alternate services for the Private Event; or
b. to hire another site to hold the Private Event,
in order to prevent a covered cause of loss from causing the Private Event to be Canceled or Postponed.
03. Photographs And Video Recording Coverage
You and the Honoree have this coverage only if a limit of wedding insurance is shown for it on the Declarations page. We cover the expenses you or the Honoree necessarily incur to have Photographs retaken or a video recording remade if:
(01) the Professional you or the Honoree hired to take the Photographs or make the video recording fails to appear at the Private Event;
(02) the original film, digital photograph or video recording produced by the Professional is lost or damaged before copies are made of them due to any cause not excluded; or
(03) the exposed film produced by the Professional does not develop.
a. What We Will Pay Under Photographs And Video Recording Coverage
When the loss or damage is to Photographs or video recording , we will pay, up to the limit of insurance:
(01) the round trip travel expenses incurred by the Honoree, the Immediate Family of the Honoree, and attendants to reassemble for Photographs or video recording to be retaken, including:
(a) coach class air fare to and from any place within any state of the United States for those persons living more than 200 miles from the place where Photographs or video recording will be retaken;
(b) mileage at $0.30 per mile, tolls and parking fees for those who drive to the place where Photographs or video recording will be retaken;
(c) up to $750 per person for meals and lodging incurred while traveling;
(02) costs you or the Honoree incur to rehire a Professional photographer or Professional videographer;
(03) costs you or the Honoree incur to rent a premises to stage the Photographs or video recording and to buy a cake and flowers; and
(04) costs you or the Honoree incur to rent necessary Special Attire.
b. Exclusions-What Wedding Insurance Does Not Cover Under Photographs And Video Recording Coverage
(01) Confiscation Or Detention
We do not cover loss or damage to Photographs or video recordings caused by confiscation or detention.
(02) Nuclear Action Or War
We do not cover loss or damage to Photographs or video recordings caused by Nuclear Action or War.
(03) Ordinary Causes
We do not cover loss or damage to Photographs or video recordings caused by:
(a) wear or tear, gradual deterioration;
(b) insects, moths or vermin; or
(c) wetness or dryness of atmosphere.
(04) Photographs Or Video Recording Quality
We do not cover loss due to the failure of the Photographs or video recordings to meet your expectations of clarity, content, focus, form, overexposure, quality, style, or underexposure.
(05) Sound Quality
We do not cover loss or damage to video or audio recordings due to the absence, clarity or quality of sound on any recording.
(06) Video Recording
We do not cover loss or damage to any video recording unless there has also been loss or damage to Photographs by a covered cause of loss.

That’s it for today. We’ll go over part 3 soon. In the meantime, dissecting this policy should help you determine whether getting wedding insurance is an option for you.

Sunday, March 21, 2010

A Sample Wedding Insurance Policy Part I

I get so many questions about what is covered with wedding insurance that I thought it would be a good idea to get a sample policy posted.  This Fireman's Fund sample policy will not give you a good idea of what will be covered--it will give you exactly what's covered!  It's better to see the actual wording so you can determine if coverage is right for you.  This sample policy can also be found here.

PRIVATE EVENT CANCELLATION INSURANCE
A. Insuring Agreement
In reliance on the statements you made to us, we agree to provide the insurance described in this policy. In return, you must pay the premium and comply with the policy terms. By accepting this policy, you agree that:
01. The statements in the Declarations and the application are your agreements and representations;
02. We have issued this policy in reliance on the truth of such representations; and
03. This policy contains all agreements existing between you and us, or any of our agents.
Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties, and what is and
is not covered.
IMPORTANT NOTICE:
YOU HAVE ONLY THOSE COVERAGES FOR WHICH LIMITS ARE SHOWN ON THE DECLARATIONS PAGE.
B. Definitions
Throughout this policy, the words “you” and “your” refer to the Named Insured shown in the Declarations. “You” and “your”
also refer to the legal spouse of the Named Insured, if a resident of the same household. The words “we”, “us” and “our” refer
to the insurance company providing this wedding insurance. Other words and phrases that appear in bold face type have special meaning.
They are defined as follows:
01. Bodily Injury means bodily harm, sickness or disease. It includes death that results from any of these.
02. Canceled means to completely call off or to completely terminate the Private Event in its entirety.
03. Change Of Heart means a decision by an Honoree not to proceed with or take part in the Private Event or any
accompanying ceremony or ritual.
04. Commitment Ceremony means a social event celebrating a homosexual relationship, or a same-sex wedding.
05. Domestic Partner means an individual who:
a. is financially interdependent with you and with whom you are jointly responsible for each other’s common welfare;
b. intends to remain in a committed relationship;
c. shares the same living quarters and permanent address;
d. is not so closely related by blood that legal marriage would otherwise be prohibited;
e. is at least age 18 and like you, not legally married to another person;
f. has not been in a different domestic partner relationship within the last 12 months; and,
g. is in the current domestic partner relationship which has been in effect for at least 12 months.
06. Extreme Weather Conditions means intense or catastrophic weather conditions including but not limited to flood,
earthquake, volcanic eruption, hurricane, tidal wave, tornado, typhoon, cyclone, blizzard, ice storm, windstorm with winds
in excess of 65 miles per hour, or similar conditions.
07. Fireworks means any device consisting of explosives or combustibles set off to generate light, smoke or noise for
amusement. Fireworks includes but is not limited to sparklers.
08. Gifts means any item of personal property which is given to the Honoree in connection with the Private Event.
However, Gifts does not include:
a. cash or checks in amounts greater than the amount shown on the Declarations under Cash or Checks Limit;
b. other cash equivalents, including but not limited to, bank notes, coins, bullion, gold other than goldware, silver other
than silverware, platinum, tickets, securities, money orders, revenue stamps, other stamps in current use, tokens, smart
cards or stored value cards;
c. accounts, bills, deeds or an evidence of debt;
d. passports or other documents;
e. self-propelled vehicles that are designed for highway use; or
f. aircraft.
09. Honoree means the person or persons named in the Declarations as Honoree, and in whose honor or for whose benefit the
Private Event is being held.
10. Hostile Fire means a fire which is unintended, breaks out from where it was intended to be, or becomes uncontrollable.
11. Immediate Family means the following Relative(s):
a. spouses;
b. domestic partners;
c. grandparents;
d. parents;
e. siblings; and
f. children.
12. Insured Contract means a written agreement for the use of the premises or facility where the Private Event is to take place.
13. Leave of Absence means the official written permission granted to you or the Honoree by any branch of the United States
Military, police or fire service to be absent from work or duty to attend the Private Event.
14. Medical Expense means the reasonable and necessary cost of the following services:
a. medical, surgical, x-ray and dental services;
b. prosthetic devices, eye glasses, hearing aids;
c. medicinal drugs; or
d. ambulance, hospital, licensed nursing and funeral services.
15. Named Insured means the individual shown on the Declarations as the Named Insured. The Named Insured also includes
the following as insureds:
a. the legal spouse of the Named Insured, if a resident of the same household;
b. other residents of the Named Insured’s household who are:
(01) relatives of the Named Insured;
(02) a Domestic Partner of the Named Insured; or
(03) any person under the age of 25 in the care of a person described above.
If your spouse or Domestic Partner stops being a resident of your household during the policy period or prior to the
inception of this policy, they will be considered an insured under this policy until the earlier of:
a. the end of 90 days following their change of residency;
b. the effective date of another policy listing him/her as a Named Insured; or
c. the end of the policy period.
16. Nuclear Action means nuclear reaction, discharge, radiation or radioactive contamination. It includes any consequence of
any of these. Loss caused by Nuclear Action is not considered loss by fire, explosion or smoke. However, direct loss by
fire resulting from Nuclear Action is covered.
17. Occurrence means:
a. under Private Event Cancellation Wedding Insurance Property Coverage, an accidental loss to covered property.
b. under Private Event Cancellation Insurance Personal Liability Coverage:
(01) an accident, including continuous or repeated exposure to similar harmful conditions which results in Bodily
Injury or Property Damage; or
(02) an act or series of related acts which results in Personal Injury.
18. Personal Injury means injury other than Bodily Injury that arises out of any of the following acts:
a. false arrest, false detention or false imprisonment;
b. malicious prosecution;
c. wrongful entry or wrongful eviction;
d. defamation, libel or slander; or
e. invasion of privacy.
19. Photographs means any still photographs which are taken of the Private Event by a Professional photographer.
20. Policy Period means the time this policy is in effect from the date and hour shown in the Declarations as “Inception Date”
until the date and hour shown in the Declarations as “Expiration Date”.
21. Policy Territory means:
a. under Private Event Cancellation Insurance Property Coverage, the United States, its territories and possessions, Canada,
other locations as specified on the Declarations page, and cruise ships leaving there from.
b. under Private Event Cancellation Wedding Insurance Personal Liability Coverage, the United States, its territories and
possessions, Canada and cruise ships leaving there from.
22. Pollutants mean any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids,
alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.
23. Postponed means to delay or to defer until a future date and time. However, Postponed does not mean to delay or to defer
by a matter of hours.
24. Private Event means the private party or festivity described in the Declarations which is scheduled to take place at the
date and place shown in the Declarations. It includes only those activities that are described in the Declarations as taking
place at a specific place and date.
25. Private Event Site and Private Event Site Insured means the facility, site or venue where the Private Event is scheduled
to take place.
26. Professional means a person who engages in a given activity for the general public as a source of livelihood or as a career.
27. Property Damage means physical injury to or destruction of tangible property. Wedding insurance includes loss of use of such property.
28. Relative means a person related by blood, marriage or legal adoption.
29. Rented Property means any item of personal property that you or the Honoree rent from others to facilitate the
production of the Private Event. It includes but is not limited to, temporary outdoor shelters, such as tents or marquees,
tables, chairs and stages. Rented Property does not include:
a. property borrowed by you or the Honoree, or property loaned to you or the Honoree;
b. precious stones, jewelry or similar items of value;
c. paintings, statuary or other works of art or valuable papers;
d. property while waterborne, unless on a transporting land conveyance aboard any regular ferry operating on inland
waterways;
e. any aircraft, motorized land vehicle or watercraft; or
f. Special Attire.
30. Special Attire means the clothing, including but not limited to hats, gloves and shoes, that you or the Honoree buy or rent
specifically to be worn at the Private Event by:
a. you;
b. the Honoree; or
c. any attendants of the Honoree.
Special Attire for wedding insurance does not include watches, jewelry or precious or semi-precious gemstones or pearls, even when attached to
clothing.
31. Vendor means any person or entity hired to provide any goods or any services for the Private Event.
32. War includes:
a. undeclared war, civil war, insurrection, rebellion or revolution;
b. warlike act by a military force or military personnel;
c. destruction or seizure or use for a military purpose;
d. discharge of a nuclear weapon, even if accidental; or
e. any consequence of any of these. But this does not apply to a Leave of Absence which is canceled or withdrawn.

This is part 1 of a series in which we will show an actual sample of a policy for insurance coverage.  Again, proper credit must be given so this sample can be found through insurevents.com.  If you're on the fence or have questions regarding wedding insurance, I hope this helps to answer some questions.