Your wedding is one of the most important and most expensive days of your life. While you might not like to think of it as one, a wedding is an investment. When you spend money to throw the kind of wedding and reception you've always dreamed of, you are making an investment in your future while also investing in the present by hosting a celebration in honor of your union.
Special event insurance can help protect the investment you've made in securing a venue, caterer, and other service providers while also financially protecting you against possible breaches of contract and liabilities.
Inclement weather can stop even the most determined bride and groom in their tracks. A hurricane, a snowstorm, or any other adverse act of nature could make it so that your guests are unable to get to the location. But even if your guests can get safely to the location, the weather could cause damages or unsafe conditions to the actual venue where your wedding or reception takes place. If you plan for an outdoor ceremony or reception, it might not take much to make the event impossible. And what if it’s not the weather, but a bankrupt or out-of-business venue that gets in the way of your nuptials? Event cancellation insurance can help reimburse you for lost deposits for a wedding you were not able to have.
It takes a village to put together a wedding. On the day of your nuptials, you expect many business owners and service providers to show up and do their part to make the day a success. From the DJ, to the makeup artist, to the hairdresser, to the caterer, to the baker, the list of individuals you are relying on goes on and on. If one of these individuals should not show on time—or at all—it could throw your entire wedding off and result in a lost deposit. Special event insurance can provide a financial reimbursement to you for the loss.
Liability and Property Damage
Even if you have a nonalcoholic reception, there are opportunities for individuals to be injured at your wedding or reception, or for property to be damaged. The venue where your ceremony and reception take place may have its own liability insurance to protect its interests, but that doesn't preclude you and your new spouse from being named in a liability suit by a guest, rental company or even the venue itself for damaged property. Special event insurance can include liability and property damage protection and may even be required by your venue.
If you're planning your dream wedding and you want your Oklahoma City insurance to provide added financial protection, give us a call at ECI Agency.