Consider event insurance WILL SPECIAL EVENT INSURANCE
COVER MY WEDDING?
Yes,s, special event eve
called “wedding insurance,” is
esigned designed for
events like weddings.
different types of insurance may
be available for you to purchase: cancellation
and liability protection.
Special event cancellation coverage:
loss if your event needs to be canceled
or postponed for a number of accidental
or unexpected reasons, including
weather that prevents the majority of
guests from attending, a serious illness
to the couple or immediate family
and the bride or groom being called
for military deployment. If you have to
reschedule your reception because the
banquet hall has no power after a big
storm, but the caterer has already prepared
the food, special event insurance
will typically reimburse you, up to your
policy’s limits, for lost deposits and
nonrefundable amounts for both the
venue and the food. (And at what The
Knot says is an (average of $68 a plate
per person), getting that money back
would likely be a huge relief!)
This coverage may also help reimburse
you for payments for a photographer
or honeymoon if the wedding
is canceled or postponed. And, even
if your wedding takes place as scheduled,
it may also help provide coverage
if your photographs or videos are lost
or damaged before you receive copies
or for lost or damaged wedding gifts.
The costs to repair or replace of special
attire and jewelry, like a tuxedo, wedding
gown or rings, may also be covered.
Contact a local agent or read your
policy to learn what types of coverage
may be available to you.
Special event liability coverage:
May also help protect you should
be found legally responsible for damage
to the venue or an injury to someone
at the event. So if one of your guests
damages a wall at the banquet hall,
your policy may help cover the costs of
repairs. Or if your photographer trips
and sprains his ankle trying to get a
shot you requested, the resulting medical
bills would likely be covered. Keep
in mind that liability coverage is usually
limited to a 24- to 48-hour period
that ends when the reception is over.
Coverage limits may vary by policy, so
be sure to read yours so that you know
how much coverage you have in place.
WHAT DOESN’T IT COVER?
While it may be helpful if a vendor
goes belly up or there’s an illness in
the family, special event insurance does
not cover everything. If your photographer
loses a memory card with some of
the pictures or there’s a mix-up with the
cake, wedding insurance is not likely to
provide protection. It’s also important
to note that a change of heart by either
the bride or groom is not typically covered,
and you will likely not be reimbursed
for any expenses you’ve already
incurred or any cancellation fees if the
wedding is called off.
WHAT ELSE TO CONSIDER
If you’re eloping or having a small
gathering, you may decide you don’t
need event insurance. But if you’re having
a larger event, special event insurance
may help give you peace of mind
as you invest time and money into your
big day. You also may want to talk to
your vendors about any insurance they
If you’re going to purchase special
event insurance, it’s a good idea to do it
as soon as you start incurring expenses
for your wedding. Keep in mind,
though, that there may be restrictions
on when you can purchase coverage —
often no later than 15 days before the
event but no sooner than two years prior.
You may be able to purchase liability
coverage up to one day prior to the
Hopefully your wedding goes off
just as you planned, but having special
event insurance just in case may give
you peace of mind so you can concentrate
on getting ready for your big day.
So when you are ready for that
special day to occur, make an appointment
with Myself or Sara, we are your
Personal Protection Specialists! We will
make sure your special day and event
are fully insured for the peace of mind
that you so rightly deserve!
Because You Truly are in Good Hands!
Protect Your Passions
AUTO HOME BOAT MOTORCYCLE
Your Choice Auto
• Accident Forgiveness
• Sign Up Bonus
• Deducible Rewards
• Safe Driving Bonus
Home Owners, Rental and Flood
• Bundle policies and save money
• Just an inch of water can cause costly damage
and hurricane season is upon us!
• 30 day wait on flood insurance, so call today!
DON’T THINK YOU QUALIFY FOR ALLSTATE? YOU’D BE SURPRISED!
Call us at (813) 995-6013 or Toll Free: (888) 995-6019
Call real people who work hard to get you the best rates.
STEVE PAPOLA, AGENT
Centurion Insurance and
Financial Services, Inc.
Don’t waste time with online quotes.
1528 Land O’ Lakes Blvd., Suite 102
Lutz, FL 33549
12 • OCTOBER/NOVEMBER 2018 81831.36.8628.29.3963464 FLORIDA WOMEN MAGAZINE