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?

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