wedding Insurance 101

WEDDING INSURANCE 101

Is weather covered?
If the policy is purchased 14 or more days prior to the date of the first covered event and if the event is canceled as a result of extreme weather, which prevents the bride, the groom, the immediate family, the officiant or more than 50% of the guests from reaching the wedding or reception, the expenses paid or incurred would be covered.

Keep in mind, dark skies or light rainfalls do not qualify as reason enough to cancel a wedding.

What happens if the bride or another person crucial to the wedding gets sick and can't attend the wedding?
Subject to policy limitations, Wedding Cancellation/Postponement will provide coverage if the bride, groom, immediate family or officiant are seriously injured and can not attend the wedding.

Wedding Cancellation/Postponement coverage is also provided if the caterer or officiate fails to appear or the event site goes out of business.

What happens if the photographer disappears?
Wedsure's Wedding Photographs/Video Coverage will pay to retake the photographs or video recording if the photographer/videographer fails to appear, disappears after the wedding with your wedding pictures or video, or the pictures are lost, damaged or stolen. This coverage pays the roundtrip air or auto travel expenses incurred by the bride, the groom and their immediate families and attendants, to reassemble for the wedding pictures to be retaken. It also pays for all associated costs, such as meals and lodging while traveling, rehiring a photographer, renting a premises to stage the wedding pictures, buying a new wedding cake and flowers and renting necessary wedding or special attire.

Are gifts covered if they are lost, stolen or damaged?
If you purchase Wedsure's Gifts coverage, the Gifts coverage will pay to repair or replace gifts that are lost, stolen or damaged anywhere within the United States and Canada.* Gain peace of mind and protect your guests' generosity with Wedsure Gifts coverage! Read more about Wedding Gift Coverage on Wedsure.com

Is any Wedding Party clothing covered if it's damaged, lost or stolen?
Wedsure Special Attire coverage pays to repair or replace the bridal gown, the mother of the bride's gown and all other bridal party attire, if it is lost, stolen or damaged (including financial failure of the bridal store, tailor or seamstress) within the United States or Canada. Special Attire coverage includes all clothing and accessories bought or rented and to be worn by the bride and the groom and their attendants at the wedding. Read more about Wedsure's Special Attire Coverage on Wedsure.com

What happens if I lose my Jewelry?
Wedsure's Jewelry coverage can be purchased on its own or in combination with any other coverage. You can enter any coverage limit you desire. Optional deductibles start at $25. Jewelry coverage will pay to repair or replace jewelry you own when it is lost, stolen or damaged anywhere within the United States and Canada.* Protect your wedding jewelry with Wedsure's Jewelry coverage!

What if someone gets injured at our Rehearsal Dinner?
Select the optional Personal Liability coverage (including supplemental defense) and Wedsure's Personal Liability covers you in the event that you become legally responsible for bodily injury, personal injury or property damage caused by an accident which occurs during the course of your covered event such as the rehearsal, rehearsal dinner, ceremony or reception.

Does the Personal Liability include Property Damage Liability?
Yes. Property Damage Liability coverage is included in Wedsure's Personal Liability coverage.

Wedsure's exclusive care, custody or control liability coverage includes Property Damage Liability resulting from damage to the premises that you hire as the site where the covered events are to take place.

Remember, most homeowners policies and commercial general liability policies exclude (do not cover) Property Damage Liability for any property in your care, custody or control or for any property that is occupied or used by you or leased or rented to you. That is why it is important to secure Wedsure Wedding Insurance.

Host Liquor Liability is also included.

The Reception location is requesting a Certificate of Insurance, how do we get this?
When you purchase personal liability coverage, an Additional Insured endorsement and Certificate of Insurance will be issued at the time of purchase.

Does Personal Liability cover Medical Payments?
Wedsure's Medical payments coverage is optional under the Wedsure Personal Liability coverage. Medical Payments pay reasonable medical expenses for each person who is injured, up to the specified limit, during the covered event for a covered cause of loss.

Please note that all coverage is subject to specific conditions, exclusions, limits, deductibles and restrictions.