Wedding season is in full swing, and whether you’re planning a backyard bash or a black-tie affair, the one thing every couple deserves is peace of mind. At Risman Insurance Agencies, we help protect the wedding you’ve dreamed of from the unexpected, with coverage designed to safeguard your financial investment and keep your celebration on track.
đŻ What Is Wedding Insurance and Why Do You Need It?
Your wedding is one of lifeâs most meaningful momentsâbut itâs also a major financial commitment. Wedding insurance, also known as special event insurance, can protect you from those âjust in caseâ situations that can derail your plans or impact your budget.
From last-minute cancellations to vendor mishaps, itâs a layer of protection youâll be glad you said âyesâ to.
â Wedding Liability Coverage
Many wedding venues now require couples to carry liability insurance as part of their rental agreement. This coverage protects you if someone gets injured or property is damaged during your eventâwhether itâs your rehearsal dinner, ceremony, or reception.
You also have the option to add liquor liability coverage, which offers protection if an alcohol-related incident occurs involving a guest who was served at your wedding. Itâs a smart and affordable add-on, especially for celebrations with an open bar or signature cocktails.
â What If You Have to Cancel or Postpone?
As much as we hope nothing gets in the way of your special day, life has a way of throwing curveballs. Wedding insurance can help cover your non-refundable deposits and expenses if your wedding must be postponed or canceled due to:
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A vendor going out of business or failing to show up
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Severe weather or natural disasters
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Sudden illness or injury to a key participant
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Unexpected military deployment or job-related travel
Your time, money, and excitement deserve protectionâeven if plans shift.
đ¸ Coverage for Lost Deposits & Unexpected Expenses
Wedding planning means juggling lots of contracts and vendors. But what happens if your band ghosts you? Or your caterer goes out of business a week before the big day?
With wedding insurance, you can be reimbursed for lost deposits. And if youâre able to book a replacement last minuteâat a higher costâyour coverage can help with those additional expenses, up to 25% above the original agreement.
đ¸ Safeguard Your Photos and Videos
Your wedding photos and video will capture memories youâll cherish foreverâbut only if they make it to your hands. If your photographerâs files are lost, damaged, or simply never delivered, your policy can help cover the cost of reconvening your wedding party for a reshoot.
Itâs not ideal, but itâs a lifeline when the unexpected strikes.
đ Coverage for Gifts, Attire, and Jewelry
From misplaced gifts to travel mishaps, wedding insurance offers thoughtful protection for the things that make your day special:
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Gifts: Coverage for items lost or damaged during the event
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Attire: Reimbursement if your dress or suit is damaged or lost en route
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Jewelry: Protection for rings or accessories purchased or rented specifically for the event
No one wants to think about these scenariosâbut having coverage means you donât have to stress if they happen.
đˇ Optional Liquor Liability Protection
If youâre serving alcohol at your wedding, liquor liability insurance can help shield you from lawsuits related to intoxicated guests. Itâs only available when added to liability insurance, but itâs a smart, low-cost safeguard if your celebration includes drinks.
From toast to last dance, let your guests enjoy responsiblyâwhile you rest easy.
đ Letâs Make Sure Youâre Covered
Planning a wedding is a once-in-a-lifetime journey. Make sure your investment in the dayâand the memoriesâis protected.
đ Click here to get a quote
đ Or call Risman Insurance Agencies to speak with a local insurance advisor who understands the details that matter most.
Risman Insurance Agencies
Here to help you protect your happily-ever-afterâwith heart, care, and reliable coverage for your big day.
đĄď¸ Disclaimer:
Coverage may vary by carrier and policy selection. Availability, terms, and conditions of coverage are subject to underwriting approval and may differ by state. This post is for informational purposes only and does not constitute a binding offer of insurance. Insurance coverage cannot be added, deleted, or changed until confirmed in writing by our office.
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