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.
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