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.

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.
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
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
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  If you're on the fence or have questions regarding wedding insurance, I hope this helps to answer some questions.

1 comment:

Natalia said...

This sounds pretty interesting to know exactly what is covered under a wedding insurance policy. This is possible because of you only as you have shared a sample policy. Thanks a bunch for this nice share.
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