By Anna Demetree
It’s your big day. The one you always dreamed of, and then something goes very wrong.
The last thing you want to think about is something negative happening on your wedding day, but incidents can happen. In case something does, you want to make sure you have coverage to protect you. You have enough to worry about with planning and schedules, so reducing risk and liability ahead of time will make your wedding day even more enjoyable.
What exactly can be covered? What incidents are likely to happen? Problems with the weather, location, transportation, vendors, key people or sickness and injury are all concerns during weddings. General Liability Coverage can protect the parties and businesses involved in the event, for reasons such as:
● Bodily injury, including the cost of care and loss of services
● Property damage
● Liquor liability
● Fire, lightning or explosion damage
● Water damage liability protection
● Legal defense costs
● Medical payments
● Advertising injury
● Specialized liability protection for specific business types
Areas that General Liability Insurance cannot cover are:
● A change of heart from runaway brides or no-show grooms
● Theft or loss of engagement ring(s)
Many issues can arise before, during or after your wedding. Frequently, the problems concern vendors, such as the seamstress working on your dress, the photographer, the catering company, the florist, the limo company, etc.
Agent Teresa Anderson states, “Just as a homeowners’ policy covers liability for accidents in the home, wedding liability covers property and personal damage that may happen during a wedding ceremony or reception. Many venues are requiring liability coverage before allowing the use of the facility. Talk you your agent about your liability options.”