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Wedding and Special Event


Special event insurance protects you in case you have to cancel or postpone your event due to the weather or natural disasters. They can also be designed to protect you in case of death, illness or serious injury. Contact your Insurance Ninja at Cordell Insurance Agency so that we can help you protect the investment you've already made.
Special Event Coverage can be tailored to your needs:
  • Weddings
  • Rehearsal Dinners
  • Anniversary Party
  • Bar Mitsva
  • Graduation Party
The Insurance Information Institute (III), whose purpose is to, "improve public understanding of insurance - what it does and ow it works," recommends that you consider coverage for these types of events. In the III article, shared below, they explain how to get coverage for your special event.
Vendor Problems Top the List of Travelers Wedding Insurance Claims

wedding and special event insurance

"Wedding and Speical Event Insurance

Often referred to as “wedding” insurance, special event insurance can be used to cover a 50th anniversary party, a bar mitzvah, a graduation party or any special occasion you might be planning. Special event insurance is designed to provide financial protection if you have to cancel or postpone a gathering due to adverse weather and natural disasters such as hurricanes.

Most policies also provide coverage for cancellation due to the death, illness or serious injury of a key participants in the event, such as members of the immediate family. Also, if an officiant, such as a minister or rabbi, or a key vendor, like the caterer, florist or photographer, does not show up, you can recover some of the costs.

Prices range from around $125 up to approximately $400 depending on the amount of coverage you need.

Additional riders may include coverage for:

  • Military service—in the event the bride or groom is in the military or active reserves, and is suddenly called to duty.
  • Gowns and tuxedos—includes stores going out of business or damage to the clothing.
  • Gifts—if gifts are not covered by your homeowners or renters insurance, provides protection against theft or damage of gifts.
  • Honeymoon—in case you need to cancel your trip due to illness, bad weather or other circumstances.
  • Professional counseling—when the cancellation or postponement of the event causes severe emotional stress (a doctor’s note will be needed).

Many companies also offer separate liability insurance, but be aware that many event sites already have their own liability insurance. If you are holding the event at home, however, you may want to purchase liability insurance above and beyond what is provided under your homeowners policy.

Before purchasing special event or wedding insurance, find out the following:

  • Whether the insurance company is licensed to do business in the state where you live. This information is available from your State Insurance Department.
  • How much the policy will cost and how much reimbursement you can expect if a loss occurs.
  • What, specifically, is and is not covered by the policy.
  • Whether you have coverage elsewhere through credit cards, warrantees or through home, auto or liability or other insurance policies you may already have."

whether your wedding is royal or not, insuring your special day can provide important financial protection

"Whether Your Wedding Is Royal or Not, Insuring Your Special Day Can Provide Important Financial Protection

APRIL 29, 2011

NEW YORK, April 29, 2011 — Your nuptials may not be as extravagant as the royal wedding of Prince William and Kate Middleton, but weddings in the U.S. can be extraordinarily expensive, so it is important to consider wedding insurance to financially protect your special day, according to the Insurance Information Institute (I.I.I.).

A survey conducted by the wedding planning website, TheKnot.comrevealed that the average wedding in the U.S. costs about $27,800, while the prices of weddings in urban areas are reaching $40,000 or more.

“Wedding insurance is a form of special event insurance that provides reimbursement for non-refundable deposits in the event the wedding needs to be cancelled or postponed due to a natural disaster, death, illness, serious injury or other catastrophe listed in the policy,” said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I.

Policies also provide financial protection in the event the caterer goes bankrupt, or the florist or photographer do not show up.

Several insurers offer wedding insurance. Some provide a package policy that includes a selection of coverages, while others offer a la carte coverage where you can pick among several options.

“Planning a wedding is a fun but emotional experience and purchasing wedding insurance can offer some piece of mind as the bride, groom and their families write check after check,” noted Salvatore.” In fact, some insurers even offer coverage for ‘cold feet’, providing someone other than the bride or groom is paying for the ceremony (generally the parents) and the couple breaks up more than 180 days before the ceremony.

Following are some tips to consider when purchasing wedding insurance:

  • Find out if the insurer is licensed to do business in the state where you live.

  • Determine how much the policy will cost and what specifically is covered and not covered by the policy.

  • Ask your agent or company representative what wedding related insurance coverage you may already have through your homeowners, renters, auto or liability policy.

  • Shop around and compare different wedding insurance policies for cost and range of coverages.

If you have any questions about wedding insurance, contact your insurance agent or company representative. He or she can help you determine if the coverage is right for you.

Furthermore, getting married is a major life event that should trigger a review of all of your insurance policies, including homeowners, auto and life insurance. You are not only merging two lives, but two households.

With most couples receiving numerous wedding gifts, it is also be a smart time to creat or update a home inventory. To help with this task, the I.I.I. offers Know Your Stuff, free online home inventory software, along with avideo on the topic. And, don’t forget that most wedding and engagement rings will need special coverage in the form of a floater or endorsement."

Our Insurance Ninjas unserstand that Special Event Insurance for each and every one of our neighbors in Nashville, Middle Tennessee and Kentucky is unique – contact us at Cordell Insurance Agency today to find out how to protect your family and your future with the right life insurance.
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