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

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!

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.