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Do you have a wedding coming up?  If so, have you checked to be sure you're covered?  If not, you should!

These special events in our lives should be as worry free as possible.  With some exclusions, most homeowner policies would provide some defense if a suit occurs due to this or other special event you're hosting. There are ways you can transfer liability by hiring professional bartenders and caterers as they have their own insurance and liquor liability.  Do not serve or make alcoholic beverages for minors, never charge a fee and if it is business related, be sure your employer has host liquor liability on their policy.  

An average wedding costs nearly $30,000; most couples don't realize the potential financial consequences should something not go as planned. Wedding insurance can provide protection for non-recoverable costs. It also will provide you with an enhanced liability protection in the event of injury or property damage at the location of the rehearsal dinner, rehearsal, ceremony and reception. Liquor liability can also be purchased for a nominal fee to protect you and your immediate family against alcohol-related accidents.  

So, what could go wrong you ask?  Well, your dress isn't delivered, your deposits are lost, rings are missing, severe weather hits and more.  Oh NO!  Your photos are ruined and you have damage to gifts; yep, that's covered too.  What if your vendor suddenly is unavailable and you have to find a last minute replacement; you can be reimbursed for the difference in cost up to 25% of the original contract price. 

Don't rely solely on your homeowner insurance; make the call to your agent today to be sure you're covered!



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