Your wedding day is one of the biggest days of your life, why risk a disaster? Wedding insurance protects an engaged couple’s investment in the event of circumstances out of their control and provides reimbursement for incurred expenses.

Examples of damages a wedding insurance policy will cover:

  • A limo driver does not show up on the day of the wedding, forcing the couple to hire a different company in a crunch for double the price.
  • The bride’s custom-made veil is lost in the airport so she must purchase a new one the day before the wedding.
  • The reception hall goes out of business a month before the wedding, causing the couple to lose their deposit and book a new venue last-minute.

What Else Does a Typical Policy Cover?

  • Venue: Policy covers the costs of unavoidable cancellation—damage to the venue—and if the venue is in an unusable condition due to fire, an electrical outage or has closed. Some policies will also cover the rehearsal dinner site as well.
  • Weather: If weather conditions prevent the bride, groom or relatives whose presence is essential to the wedding or a majority of the guests from arriving to the wedding site; policy covers the cost of rescheduling the event, including all details, such as flowers and food.
  • Attire: Policy pays to repair or replace special attire if they are lost, stolen or damaged.
  • Military or job transfer: Policy covers the postponement of the wedding due to the bride or groom being called into military duty or forced to make a last-minute job transfer.

Additional coverage options include the following:

  • Photography: Covers the cost of retaking photographs if the photographer fails to show up or if image negatives are lost, stolen or damaged.
  • Videographer: Policy pays to have a video montage created, video compilation of photographs or retaking the video using restaging techniques if the video is damaged.
  • Gifts: Policy pays for the cost of repairing or replacing non-monetary gifts that are lost, stolen or damaged.
  • Personal liability: Policy covers bodily injury or property damage caused by accidents that occur during the wedding.
  • Honeymoon: Certain policies include optional travel insurance for the honeymoon.

A typical wedding insurance policy covering the loss of photos, videos, attire, presents, rings and deposits is affordable, considering a typical wedding budget.

Have a question? Get an answer. Then learn more at ehd-ins.com or call us toll-free 1-800-544-7292. Our experienced insurance and risk management professionals would be happy to answer your questions, help you explore your options and develop a customized strategy for you and your organization.

About EHD

Established in 1896, Engle-Hambright & Davies, Inc. — now EHD — is one of the most respected insurance brokers and advisors in Pennsylvania and one of the largest and most reputable full-service insurance brokers in the United States. We have offices in Exton, Lancaster, Pittsburgh and Reading and offer commercial insurance, employee benefits, personal insurance and risk management services to businesses, non-profit organizations, public agencies and individuals throughout Pennsylvania, New Jersey, Delaware, Maryland and Ohio.

EHD has access to all regional, national and international markets, holding preferred status contracts among many insurers, which provide the leverage to negotiate the most favorable coverage and financial terms for our clients. We are absolutely committed to client service, and our staff of over 100 insurance professionals is among the most experienced and knowledgeable that you will find anywhere. It is no wonder why we are the partner-of-choice for over 5,000 organizations, with a client retention rate that approaches 100%.

Learn more at EHD-Ins.com or call 1-800-544-7292. Note: not intended to be exhaustive, nor construed as legal advice. Readers should contact legal counsel and/or an EHD insurance professional for appropriate advice. Original content source: © Zywave, Inc. All rights reserved.