CELEBRATION INSURANCE 101

What Does Cancellation or Postponement Cover?
Cancellation Or Postponement coverage will pay, up to the coverage limit that you select and subject to a $25 deductible, the nonrefundable expenses incurred when the private event must be canceled or postponed for certain reasons beyond your control. These reasons include, but are not limited to sickness or injury to the Honoree (the person(s) if any, for whom the event is being held), or anyone essential to the private event; damage or inaccessibility to the premises where private event or related activities are to be held; loss or damage to the private event special attire; and job loss. Also covered are any weather conditions which prevent the Honoree, or any relative whose presence at the private event is essential or, the majority of the guests from reaching the premises where the private event is to take place. Weather coverage is available only if the policy is purchased 14 or more days from the date of the event. Failure-to-show of the caterer is covered for Cancellation Or postponement. Closure of the reception site due to financial failure is also covered for Cancellation Or Postponement.

Is weather covered?
If the policy is purchased 14 or more days from the date of the event and adverse weather prevents the Honoree, or any relative whose presence at the private event is essential or, the majority of the guests from reaching the premises where the private event is to take place the costs of rescheduling the event are covered. Be aware that dark skies and light rainfall alone will not qualify as reason enough to cancel your wedding.

What happens if the Honoree or any relative whose presence is essential gets sick and can't attend the private event?
If people crucial to the event such as the the Honoree, or any relative whose presence at the private event is essential are unable to attend due to sickness or injury the event is covered up to the coverage limit that you select.

What happens if the photographer doesn't show up?
For photographs, the policy will pay, up to the coverage limit that you select and subject to a $25 minimum deductible, to retake photographs if the photographer fails to appear for any reason or, the original negatives are lost, damaged, stolen or not properly developed. This coverage will pay the round trip air or auto travel expenses incurred by the bride, the groom, or for other private event types, the Honoree, and their immediate families and attendants, to reassemble for the ceremony pictures to be retaken. It will also pay costs for meals and lodging while traveling, costs to rehire a photographer, costs to rent a premises to stage the ceremony pictures, costs to buy a new wedding cake, costs to buy new flowers, and costs to rent necessary wedding or special attire.

Are gifts covered if they are lost, stolen or damaged?
If purchased, Gifts coverage will pay to repair or replace non-monetary gifts which are lost, stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada.

Is any Special Attire covered if it's damaged, lost or stolen?
If purchased, Special Attire coverage will pay to repair or replace the bridal gown and other special attire, including clothing and accessories bought or rented and to be worn by the bride, the groom, and their attendants at the wedding when it is lost, stolen or damaged.

What if someone gets injured at our Event?
If you select the optional Personal Liability coverage (including supplemental defense) it will cover bodily injury, personal injury or property damage caused by a covered accident which occurs during the course of a covered event such as the rehearsal, rehearsal dinner, ceremony or reception.

Does the Personal Liability include Property Damage Liability?
Yes. Of special importance to you and to the event sites, liability coverage available on this policy which is not available on other liability policies would include Property Damage Liability (subject to a deductible) for certain property in your care, custody or control. This very exclusive CARE, CUSTODY OR CONTROL COVERAGE includes Property Damage Liability resulting from damage to the premises which you hire as the sites where the covered events are to take place. Most, if not all homeowners insurance policies and Commercial General Liability policies specifically exclude (do not cover) Property Damage Liability to any property in your care, custody or control or, to any property which is occupied or used by you or leased or rented to you. Host Liquor Liability is included.

The Event 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 may be issued at any time upon your request.

Does Personal Liability cover Medical Payments?
Medical Payments coverage will pay up to the selected limit of reasonable medical expenses for each person who is injured during the covered events from a cause of loss which would be covered by the Personal Liability.

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