10 Reasons to Get Wedding Insurance for your Palm Beach Wedding

With all the uncertainty going on the world of weddings right now, it may seem impossible to plan for the celebration of your dreams. One way to take away some of the stress is wedding insurance.

Lots of couples don’t know about wedding insurance or don’t bother to look into it, but it is a wonderful way to give you peace of mind. There are a lot of unforeseen instances that insurance will cover, so it’s definitely worth it.

Keep in mind that wedding insurance does not cover COVID; however, there are still many benefits to having insurance. Whether you go with liability insurance or cancelation insurance, you want to be covered in some way on your Palm Beach wedding day.

PLEASE BE AWARE…every insurance policy and every wedding is different. We recommend talking to your insurance agent in order to fully understand everything covered in your specific policy.

1. Vendor Bankruptcy

Something none of us wants to think about is vendor bankruptcy. The majority of wedding vendors are small business that operate on a slim profit margins. With weddings and events being cancelled and postponed since the start of March, there are sadly some business that won’t make it.

Wedding insurance will help cover your non-refundable deposit and replacement deposit if one of your wedding vendors goes out of business before your wedding day.

2. Host Liquor Liability

With all the backyard weddings taking place, liquor liability coverage is even more important! Typical home owners insurance usually doesn’t cover special events taking place on the property, so these types of weddings definitely need the additional insurance.

This coverage protects you from responsibility from any accidents or injuries that occur during your wedding or reception due to alcohol-related incidents.

3. Vendor No-Show

There can be many reasons for a vendor no-show, but it’s a fear all couples share. It’s like that horrible dream of going to school naked. Luckily, wedding insurance helps cover the costs for the services that aren’t rendered. Now if there could be a friend with a spare outfit in that naked school dream 😉

4. Liability Coverage for Damage or Bodily Injury

What happens when you have rowdy reception crew that accidentally puts a hole in the wall of the reception space? Or someone takes a tequila shot, lights a lighter, and blows the tequila out to create a fireball during the couple’s grand exit and burning a guest? Or a bridesmaid breaks a heel and tumbles while walking down the aisle?

Each of these are examples of something that could happen and would be covered by liability insurance.

5. Accidental Injury or Illness of an Immediate Family Member

Another incidence you don’t want to think about is what happens if you, your fiancé, or one of your immediate family members get sick or injured before the wedding. Whether you are diagnosed with cancer or your fiance’s dad is injured in a car accident and can’t travel to the wedding or other similar scenarios, wedding insurance could help with the rescheduling costs.

Again, not something you want to think about but it is good to know that wedding insurance will help in these times.

6. Postponed Due to Extreme Weather

With hurricane season in full swing, we are all aware of how quickly the weather can change here in South Florida. If a hurricane forms, you only want to have to worry about getting your supplies and prepping your home for the storm.

Wedding insurance will give you some peace of mind knowing that rescheduling costs will be covered!

7. Unexpected Military Deployment

Our military families sacrifice so much for our country; including, being moved or deployed at a moment’s notice. In the case of weddings, if one of fiances’ is suddenly called to active duty, insurance could cover the postponed expenses.

Note – not all policies include this option. So if you need it, make sure to consult your insurance agent about your specific policy.

8. Loss of Photos or Videos

At the end of the day, the only tangible left at the end of the wedding day (besides your awesome new spouse) are the photos and videos. So it’s nice to know that wedding insurance policies will cover new photos and videos if the originals were damaged, lost, stolen, etc.

The specifics vary from policy to policy, but it’s a great safety net to have available.

9. Wedding Attire

What can you do If your wedding attire gets damaged or if the shop/designer you ordered from goes out our business? Sadly, it happens and is often very stressful! Luckily, wedding insurance can help!

This coverage will help with replacement attire, rush alteration fees, etc. Giving you peace of mind knowing you’ll be literally covered on your wedding day.

10. Stolen Wedding Gifts

Whether they are delivered to your home or given at the wedding reception, gifts are valuable items that should be covered. If a wedding crasher steals your gifts or you are hit by a porch bandit, you want to know you have some recourse.

Wedding insurance will pay to replace or repair gifts. This usually requires a documented police report filed within a certain time frame, so make sure to file that in time.

As you can see, getting wedding insurance for your Palm Beach wedding definitely has it’s perks. Remember that every insurance policy and every wedding is different and you need to chat with your insurance agent about a specific policy.

---

Related Articles

• Holy Smokes! You’re Getting Married: 17 Fun Things to do Now
• 16 Stunning Beach Wedding Venues
• Palm Beach Wedding Photographers
• Palm Beach Wedding Planners